Where to log in to your Lowe's credit card account
The Lowe's credit card is issued by Synchrony Bank, not by Lowe's itself. This means you log in through Synchrony's website, not through Lowes.com. Go to mysynchrony.com and enter your username and password on the main login page.
If you do not have an online account yet, you will need to create one before you can pay. On the Synchrony homepage, look for a link that says "Enroll Now" or "Create Account" — the exact wording changes, but it appears near the login box. You will need your card number, Social Security number, and date of birth to set up the account.
Once you are logged in, your dashboard shows your current balance, due date, recent transactions, and available credit. From this same page, you can make a payment, set up automatic payments, or read statements.
Key Takeaways
- Log in at mysynchrony.com, not Lowes.com, because Synchrony Bank issues the Lowe's credit card.
- You can pay your full balance, a minimum payment, or any amount in between, and the payment posts within one to three business days.
- Setting up automatic payments from your bank account prevents late payments and takes five minutes to configure.
- If you forget your password, use the "Forgot Username or Password" link on the Synchrony login page to reset it by email or text.
How to make a payment after logging in
After you log in to mysynchrony.com, look for a button or link labeled "Make a Payment" — it usually appears on the main dashboard or in a menu on the left side. Click it, and you will see a screen asking how much you want to pay.
You can choose to pay your full statement balance, your minimum payment, or a custom amount. Enter the dollar amount and select the date you want the payment to come out of your bank account. Synchrony typically processes payments within one to three business days, though payments made before 8 p.m. Eastern time on a business day may post the same day.
You will need a bank account to pay online. Enter your routing number and account number, or link a debit card. Synchrony will ask you to confirm the payment details before it goes through. Once you submit, you will see a confirmation number on screen — write it down or take a screenshot for your records.
Setting up automatic payments to avoid late fees
If you want Synchrony to withdraw your payment automatically each month, log in and look for "Automatic Payments," "Autopay," or "Recurring Payments" in the account menu. Click that option and choose whether you want to pay your full balance, your minimum payment, or a fixed dollar amount each month.
Select the day of the month you want the payment to come out — many people choose the day after they get paid or a few days before the due date. Synchrony will deduct that amount from your bank account on that day every month until you turn off the automatic payment.
Automatic payments reduce the risk of missing a due date, which can trigger a late fee and damage your credit score. You can change or cancel an automatic payment at any time by logging back into mysynchrony.com.
What to do if you cannot log in
If you see an error message when you try to log in, first check that you are on the correct website: mysynchrony.com. Typing the address wrong is the most common reason login fails. Clear your browser's cache and cookies, then try again.
If you still cannot log in, click "Forgot Username or Password" on the Synchrony login page. You will be asked to verify your identity using your card number, Social Security number, and date of birth. Synchrony will then send you a password reset link by email or text message. Follow that link to create a new password.
If you do not receive the reset email or text within a few minutes, check your spam folder. If the problem persists, call Synchrony's customer service number on the back of your Lowe's credit card. A representative can help you regain access to your account or answer questions about your card.
Payment methods and timing
Synchrony accepts payments from a U.S. bank account or debit card. You cannot pay with a credit card. Payments made online typically post within one to three business days, though the exact timing depends on when you submit the payment and your bank's processing speed.
If your payment is due on a specific date and you are cutting it close, submit it at least three business days before the due date to be safe. Payments submitted on weekends or after 8 p.m. Eastern time on a weekday may not process until the next business day.
You can also mail a check to the address printed on your statement, but mailed payments take longer to arrive and post. The back of your credit card also lists a phone number where you can pay by phone with a representative, though this method may charge a fee.
Understanding your statement and balance
When you log in to mysynchrony.com, the dashboard shows your current balance, which is the total amount you owe. This includes purchases you have made, interest charges, and any fees. Your minimum payment is the smallest amount Synchrony requires you to pay by your due date to keep your account in good standing.
Paying only the minimum means you will pay interest on the remaining balance. Your statement balance is the total of all charges from your last billing cycle. Paying your full statement balance by the due date means you will not owe interest on those charges (though you may owe interest on any new purchases made after the statement closed).
You can read a PDF of your full statement from mysynchrony.com by clicking "Statements" or "View Statements." This document shows every purchase, payment, fee, and interest charge for that billing period.
Frequently Asked Questions
Is there a fee to pay my Lowe's credit card online?
No. Paying online through mysynchrony.com is free. If you pay by phone with a representative, Synchrony may charge a fee — ask before you provide your payment information. Mailed checks are also free but take longer to process.
Can I pay my Lowe's credit card through the Lowe's website or app?
No. Lowe's does not process payments for the Lowe's credit card. You must go to mysynchrony.com to pay. The Lowe's website and app do not have a payment option for this card.
What happens if I miss my payment due date?
Synchrony will charge a late fee, usually between $25 and $40 depending on your account history. A late payment also appears on your credit report and can lower your credit score. If you miss a payment, log in to mysynchrony.com and pay as soon as you can to stop additional fees from accruing.
How long does it take for my payment to show up after I submit it online?
Most online payments post within one to three business days. Payments submitted before 8 p.m. Eastern time on a business day may post the same day. Weekends and holidays do not count as business days, so a payment submitted on Friday evening may not post until Monday or Tuesday.
Can I change my payment due date?
You can request a due date change by calling Synchrony at the number on the back of your card. A representative can move your due date to a different day of the month, which can help you align your payment with when you receive income. Changes typically take effect within one or two billing cycles.