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 your online account and payment portal are separate from your Lowe's.com shopping account. You log in at synchronybank.com, not through Lowe's.
Go to synchronybank.com and look for the "Log In" button in the top right corner. You will need your username and password. If you have not yet created an online account, you can register on that same page using your card number and other identifying information.
Once logged in, you will see your account balance, recent transactions, due date, and a payment option. The payment section is usually labeled "Make a Payment" or "Pay Now" and appears prominently on your account dashboard.
Key Takeaways
- Your Lowe's credit card account is managed by Synchrony Bank at synchronybank.com, not through Lowe's website.
- You need a separate username and password for Synchrony; your Lowe's shopping login will not work.
- You can pay online, by phone at the number on your statement, or by mail using the payment coupon.
- Payments made online typically post within one to two business days, though the exact timing depends on when you submit them.
- Setting up automatic payments through your bank account can help you avoid late fees and missed due dates.
Setting up your Synchrony account if you are a new cardholder
If you received your Lowe's credit card in the mail but have not yet logged in online, you will need to register first. Visit synchronybank.com and select "Register" or "Enroll Now." You will be asked to provide your card number, Social Security number, date of birth, and other personal information to verify your identity.
After you complete registration, Synchrony will ask you to create a username and password. Write these down or store them in a password manager, because you will need them every time you log in. Do not use the same password as your Lowe's shopping account or other financial accounts.
Once your account is active, you can log in when ready and see your balance and payment options. Your first statement will arrive by mail within 30 days of your first purchase, and it will include the due date for that statement.
Making a payment online
After you log in to your Synchrony account, look for the payment section on your dashboard. Click "Make a Payment" or the equivalent button. You will be asked to choose a payment method: bank account (ACH transfer) or debit card.
If you pay from your bank account, you will need your routing number and account number. These appear on the bottom left of your checks, or you can contact your bank for them. Synchrony will ask you to confirm the amount and the date you want the payment to post.
Payments submitted before 8 p.m. Eastern Time on a business day typically post the next business day. Payments submitted on weekends or after 8 p.m. will post the following business day. If you are close to your due date, submit your payment at least two business days early to be safe.
Paying by phone or mail if you do not want to use the website
You can pay your Lowe's credit card without logging in online. The back of your credit card and your monthly statement both list a phone number for Synchrony customer service. Call that number and follow the prompts to make a payment over the phone. You will need your card number and the amount you want to pay.
To pay by mail, write a check to Synchrony Bank and include the payment coupon from your statement. The coupon shows the mailing address and your account number. Mail your check at least one week before your due date to account for postal delays. Do not send cash by mail.
Payments by mail typically take five to seven business days to post, so this method is slower than online or phone payment. If your due date is approaching, use the online or phone method instead.
What to do if you forget your Synchrony password
If you cannot remember your password, go to synchronybank.com and click "Forgot Password" on the login page. Synchrony will ask you to enter your username or card number, then send a password reset link to the email address on file with your account.
Click the link in that email and create a new password. The link usually expires after a few hours, so do this soon after you receive the email. If you do not see the email, check your spam or junk folder.
If you cannot reset your password this way, or if you do not remember your username, call Synchrony customer service at the number on your statement. They can verify your identity and help you regain access to your account.
Setting up automatic payments to avoid missed due dates
Once you are logged in, you can set up automatic payments so you do not have to remember to pay each month. Look for an option labeled "Automatic Payments," "Recurring Payments," or "AutoPay" on your account dashboard.
You can choose to pay your full statement balance, a fixed amount, or just the minimum payment each month. Select the date you want the payment to come out of your bank account — many people choose a date shortly after they receive their paycheck. Synchrony will deduct that amount automatically on that date each month.
You can change or cancel automatic payments at any time by logging back in and updating your payment settings. This is useful if your income changes or if you want to pay off your balance faster in a particular month.
Common reasons your payment might not post right away
If you submitted a payment online but do not see it reflected in your account balance within two business days, check the following. First, confirm that you received a confirmation number or receipt after you submitted the payment. If you did not, the payment may not have gone through.
Second, check the date you selected. If you chose a future date, the payment will not post until that date arrives. Third, if you paid from a debit card rather than a bank account, verify that the card has sufficient funds and that the card has not expired.
If none of these explain the delay, contact Synchrony customer service using the number on your statement. They can look up your payment in their system and tell you its status.
Frequently Asked Questions
Is there a fee to pay my Lowe's credit card online?
No. Synchrony does not charge a fee for online payments made from your bank account. If you pay by debit card, some debit card issuers may charge a cash advance fee, so check with your bank first. Phone and mail payments are also free.
Can I pay my Lowe's credit card through the Lowe's website or app?
No. The Lowe's website and mobile app do not have a payment portal for the credit card. You must go to synchronybank.com or call the number on your statement. Lowe's and Synchrony are separate companies, so they do not share the same payment system.
What happens if I miss my due date?
If your payment does not arrive by the due date shown on your statement, Synchrony will charge a late fee and may report the late payment to credit bureaus. The late fee amount varies but is typically $25 to $40 for the first late payment. Your interest rate may also increase. Contact Synchrony when ready if you miss a due date to discuss your options.
Can I pay more than my statement balance to pay off my card faster?
Yes. When you make a payment online or by phone, you can enter any amount up to your full balance. Paying more than the minimum each month reduces the interest you owe and helps you pay off the card faster. You can also make multiple payments in a single month if you want.
Do I need to create a separate account if I have multiple Lowe's credit cards?
No. If you have more than one Lowe's credit card, you can manage all of them in a single Synchrony online account. After you log in, you will see all your cards listed, and you can switch between them to view balances and make payments.