How to Pay Your Lowe's Credit Card Bill Online

Lowe's bill pay through their website and mobile app

You can pay your Lowe's credit card bill online using the Lowe's website, the Lowe's mobile app, or by phone. The website and app both let you set up one-time payments or recurring automatic payments. You'll need your account number and routing information if you're paying from a bank account, or your debit or credit card details if you're paying that way.

Lowe's processes most online payments the same business day if you submit them before 8 p.m. Eastern Time on a business day. Payments submitted after that time or on weekends and holidays are processed the next business day. The payment then takes one to three business days to reach your account, depending on your bank.

You can also pay by phone by calling the customer service number on the back of your Lowe's credit card. A representative can process your payment over the phone using a bank account or debit card. Mail and in-store payments are also options, though both take longer than online payment.

Key Takeaways

• Online payments through the Lowe's website or app are processed the same business day if submitted before 8 p.m. Eastern Time, then take one to three business days to post to your account.
• You can set up automatic recurring payments so your bill is paid on the same date each month without logging in each time.
• Phone payments are available by calling the number on your credit card statement, and a representative can process payment when ready.
• Mailed checks and in-store payments are slower options that may take one to two weeks to post to your account.

Setting up automatic payments on the Lowe's website

Log into your Lowe's credit card account on the Lowe's website using your username and password. Navigate to the "Payments" or "Manage Account" section, then select "Set Up Automatic Payments" or "Recurring Payments." You'll choose the payment amount (full balance, minimum payment, or a fixed dollar amount), the date each month when the payment should be taken, and the bank account or card you want to pay from.

Once you confirm the details, the automatic payment is scheduled. Lowe's will deduct the payment on your chosen date each month. You can change or cancel the automatic payment at any time by logging back into your account and updating your payment settings. If you need to stop a payment before it processes, contact Lowe's customer service as soon as possible.

Making a one-time payment through the app

Open the Lowe's mobile app and sign in with your account credentials. Tap "Payments" or "Pay My Bill," then enter the amount you want to pay. Select your payment method—bank account, debit card, or credit card—and enter the required information.

Review the payment details, including the amount and the date it will be processed, then confirm. You'll receive a confirmation number when ready. The app shows your payment history and upcoming scheduled payments, so you can track what you've paid and when.

Paying by phone or mail

To pay by phone, call the customer service number printed on the back of your Lowe's credit card. Have your account number and payment method ready. A representative will process your payment and provide a confirmation number. Phone payments are available seven days a week, though wait times vary.

If you prefer to mail a check, write your account number on the check and send it to the address listed on your billing statement. Include your payment stub if one came with your statement. Mailed payments typically take seven to ten business days to post, so mail your payment at least two weeks before your due date if you want to avoid a late payment.

What happens if you miss a payment

If your payment is not received by the due date shown on your statement, Lowe's may charge a late fee. The amount of the late fee depends on your card terms. A late payment also appears on your credit report and can lower your credit score.

If you realize you'll miss a due date, contact Lowe's customer service right away. Some cardholders can request a due date change or a one-time late fee waiver, though this is not may provide. The sooner you contact them, the more options may be available to you.

Payment methods and fees

Lowe's accepts payments from a checking or savings account, debit card, or credit card. There is no fee to pay from a bank account through the website or app. Paying with a debit or credit card through the Lowe's website or app also has no fee.

If you use a third-party bill pay service through your bank, your bank may charge a fee for that service. Check your bank's bill pay terms before using that method. Phone payments and mail payments have no fee from Lowe's, but mail carries the cost of postage and the risk of delay.

Frequently Asked Questions

How long does it take for a Lowe's credit card payment to show up in my account?

Payments submitted online before 8 p.m. Eastern Time on a business day are processed the same day, then take one to three business days to post to your account. Payments submitted after hours or on weekends are processed the next business day, then take the same one to three days to post.

Can I change my automatic payment date if it doesn't work with my paycheck?

Yes. Log into your Lowe's account, go to your automatic payment settings, and select a new date. The change takes effect on your next scheduled payment. If you need to change the date before the next payment processes, contact customer service to make sure the change goes through in time.

What should I do if my payment was rejected?

Log back into your account and check the payment status. If it shows as rejected, the most common reasons are insufficient funds, an expired card, or incorrect account information. Update your payment method and try again. If the problem continues, contact Lowe's customer service for help.

Is there a maximum amount I can pay online at one time?

Lowe's does not publicly state a maximum payment amount for online or app payments. If you're paying a very large balance, contact customer service to confirm there are no limits, or break the payment into two separate transactions.