Where to send your Lowe's credit card payment
Lowe's credit cards are issued and managed by Synchrony Bank, so payments go to Synchrony, not to Lowe's directly. You can pay online through your Synchrony account, by phone, by mail, or in person at a Lowe's store. The method you choose affects how quickly the payment posts and whether you incur late fees if you miss a due date.
Your payment due date appears on your monthly statement and is typically 21 to 25 days after your statement closes. Synchrony considers a payment on time if it arrives by 5 p.m. Eastern time on the due date. Payments made after that time or on a later date may trigger a late fee, even if you initiated the payment before the important date.
Key Takeaways
- Synchrony Bank processes all Lowe's credit card payments, and you can pay online, by phone, by mail, or at a Lowe's store location.
- Online payments through your Synchrony account typically post within one business day, while mailed checks may take five to seven business days to clear.
- Your payment due date is shown on your statement, and Synchrony charges a late fee if payment arrives after 5 p.m. Eastern time on that date.
- You can set up automatic payments from your bank account to avoid missing a due date, though you remain responsible if insufficient funds cause the payment to fail.
Paying online through your Synchrony account
Log in to your Synchrony account at mysynchrony.com using your username and password. If you do not have an online account, you can create one by providing your card number, Social Security number, and date of birth. Once logged in, select "Make a Payment" and choose whether to pay from a bank account or debit card.
Enter the amount you want to pay and the bank account or card details. Synchrony will show you the payment date — typically the next business day if you pay before the cutoff time. Review the details and confirm. You will receive a confirmation number when ready; save this for your records. The payment will post to your account within one business day in most cases.
Paying by phone with Synchrony
Call Synchrony's payment line at 1-866-639-6522. Have your Lowe's credit card number and bank account information ready. A representative will walk you through entering your payment amount and bank details. Phone payments are processed the same day if you call before the cutoff time, typically resulting in a posting within one business day.
Synchrony charges no fee for phone payments. However, you are responsible for providing accurate bank account information. If the account number is wrong or the account does not have sufficient funds, the payment will fail and you may be charged a late fee if your due date passes.
Paying by mail to Synchrony
Write a check payable to Synchrony Bank and include your Lowe's credit card number on the check. Mail it to the address shown on your statement under "Payment Address" — this address changes based on which processing center handles your account, so always use the address from your current statement rather than a previous one.
Mailed payments typically take five to seven business days to reach Synchrony and post to your account. If your due date is approaching, mailing a check is risky because the payment may not arrive in time. Synchrony considers the payment date to be when it is received and processed, not when you mail it. If the check arrives after your due date, you will be charged a late fee.
Paying in person at a Lowe's store
You can pay your Lowe's credit card balance at the customer service desk of any Lowe's store. Bring your card or have your account number ready. You can pay with cash, a debit card, or another credit card. The store will provide a receipt showing the payment amount and date.
In-store payments are processed by Synchrony but may take one to two business days to post to your account. Because of this delay, paying in store close to your due date carries the same risk as mailing a check — the payment may not post before the important date. Call Synchrony or check your online account the next day to confirm the payment has posted.
Setting up automatic payments
Log into your Synchrony account and select "Manage Autopay" or "Automatic Payments." Choose the amount you want to pay automatically each month — you can pay a fixed dollar amount, the minimum payment, or the full statement balance. Select the bank account to draw from and the day of the month you want the payment to occur.
Synchrony will deduct the payment automatically on your chosen date each month. If your bank account does not have sufficient funds, the payment will fail and you will be charged a late fee. You remain responsible for monitoring your bank balance and ensuring the automatic payment can go through. You can change or cancel automatic payments at any time through your online account.
What happens if you miss a payment
If your payment does not arrive by 5 p.m. Eastern time on your due date, Synchrony will charge a late fee. The amount depends on your account terms but typically ranges from $25 to $40 for the first late payment. A second late payment within six months may result in a higher fee. Late payments also appear on your credit report and can lower your credit score.
If you miss a payment, contact Synchrony as soon as possible. Paying the overdue amount plus the late fee will stop additional fees from accruing, but the late payment will remain on your credit report for seven years. Some cardholders have had late fees waived if they call before the next billing cycle and have a clean payment history, though Synchrony is not required to do so.
Frequently Asked Questions
How long does it take for a payment to show up in my Synchrony account?
Online and phone payments typically post within one business day. Mailed checks and in-store payments take one to two business days longer. The posting date is what matters for your due date, not the date you made the payment, so plan ahead if your due date is soon.
Can I pay my Lowe's credit card at a Lowe's store?
Yes, you can pay at the customer service desk with cash, a debit card, or another credit card. The payment is processed by Synchrony and may take one to two business days to post. Get a receipt showing the payment date and amount for your records.
What if I pay online but the payment fails?
Synchrony will notify you if a payment fails, usually because of insufficient funds or incorrect account information. You are responsible for making another payment before your due date to avoid a late fee. Check your online account or call Synchrony to confirm the payment went through.
Can I change my automatic payment amount or date?
Yes, log into your Synchrony account and select "Manage Autopay" to change the amount, the date, or cancel automatic payments entirely. Changes take effect on your next scheduled payment date. If you cancel, you will need to make manual payments to avoid missing your due date.
Is there a fee to pay my Lowe's credit card?
Synchrony does not charge a fee for online, phone, or automatic payments. In-store and mailed payments are also free. However, if your payment is late, you will be charged a late fee, typically $25 to $40 for the first occurrence.