Paying your Lowe's card bill on Lowes.com
You can pay your Lowe's credit card bill directly through Lowes.com by logging into your account, finding the payment section, and entering your payment amount and method. The site accepts payments from a bank account (ACH transfer) or another debit card. Payments made before 8 p.m. ET on a business day typically post the same day; payments after that time or on weekends post the next business day.
To start, go to Lowes.com and select "Sign In" at the top right. Enter your email and password. Once logged in, look for "Payments" or "Manage Your Account" — the exact label varies depending on whether you're viewing the site on a phone or computer. Select the option to make a payment, then choose your payment method and amount.
You do not need to be making a purchase to pay your bill this way. The payment section is separate from the shopping cart and is available whether or not you have items in your account.
Key Takeaways
- Lowes.com lets you pay your Lowe's credit card bill using a bank account or debit card, and same-day posting is available for payments made before 8 p.m. ET on business days.
- You must log into your Lowes.com account to access the payment section; you cannot pay without signing in first.
- Payments made on weekends or after business hours post the next business day, so plan ahead if your due date falls on a Friday or weekend.
- The Lowe's credit card is issued by Comenity Capital Bank, which also handles billing and payment processing behind the scenes.
What payment methods Lowes.com accepts
Lowes.com accepts two types of payment: direct bank transfer (ACH) and debit card. You cannot pay with a credit card, another Lowe's card, or cash through the website. If you want to pay with cash or check, you will need to use a different method, such as mailing a check to the address on your statement or calling the customer service number on the back of your card.
When you choose ACH (bank account), you enter your routing number and account number. Lowes.com will verify the account with two small deposits, which can take a few business days. Once verified, you can use that bank account for future payments without re-entering the information.
If you use a debit card, you enter the card number, expiration date, and CVV each time you pay, or you can save the card to your account for faster checkout on future payments.
Timing and posting dates for online payments
The day your payment posts depends on when you submit it and what day of the week it is. Payments submitted before 8 p.m. ET on a Monday through Friday post that same day. Payments submitted after 8 p.m. ET or at any time on Saturday or Sunday post on the next business day.
Your due date is set by Comenity Capital Bank, the company that issues the Lowe's card. If your due date falls on a weekend or holiday, the payment is due on the next business day. If you are cutting it close to your due date, submit your payment by 8 p.m. ET on the business day before the due date to avoid a late payment.
Even if your payment posts the same day, it may take a day or two to show up in your online account balance. The posting date and the date it appears in your account are not always the same.
Other ways to pay your Lowe's card bill
If you cannot or prefer not to pay through Lowes.com, you have several other options. You can call the customer service number on the back of your Lowe's card and pay over the phone using a bank account or debit card. A representative will walk you through the process and can answer questions about your balance or due date.
You can also mail a check or money order to the address listed on your billing statement. Write your account number on the check. Mailed payments take longer to post — typically 7 to 10 business days from the time Comenity receives it — so send it well before your due date if you choose this method.
Some people set up automatic payments through their bank's bill pay service instead of paying Lowes.com directly. Your bank sends a check or ACH transfer to the address on your statement. This method works but is slower than paying online and gives you less control over the exact posting date.
What happens if you miss a payment
If your payment does not post by your due date, Comenity will report the account as late to the credit bureaus. A late payment can lower your credit score and may trigger a late fee, which is added to your balance. The amount of the late fee varies but is typically between $25 and $40 for the first late payment.
If you miss a payment, contact Comenity as soon as possible. Call the number on the back of your card or log into Lowes.com to see your current balance and due date. Some cardholders have had late fees waived if they call before the payment is reported to the credit bureaus, though this is not may provide.
Repeated late payments can result in a higher interest rate on your balance and may eventually lead to the account being closed or sent to a collection agency. If you are having trouble making your payment, contact Comenity to discuss your options before the due date passes.
Troubleshooting payment problems on Lowes.com
If your payment is rejected or you see an error message, the most common causes are an incorrect bank routing number, a typo in your account number, or insufficient funds in your bank account. Double-check the routing and account numbers against a blank check or your bank's website before resubmitting.
If you saved a debit card to your account and a payment fails, the card may have expired, been replaced, or been flagged by your bank as suspicious. Log into your account, update the card information, and try again. If the problem persists, use a different payment method or call customer service.
If you see a message that says your account is locked or restricted, you may have entered an incorrect password too many times. Use the "Forgot Password" link to reset it, or call the number on the back of your card for help regaining access to your account.
Frequently Asked Questions
Can I pay my Lowe's card bill through the Lowe's mobile app?
Yes. The Lowe's mobile app has a payment section similar to the website. Log in with the same email and password you use on Lowes.com, navigate to your account, and select the payment option. The process and posting times are the same as paying on the website.
What if I pay more than my balance?
If you overpay, the extra amount becomes a credit on your account. You can use the credit toward future purchases or request a refund by calling the customer service number on the back of your card. Refunds are typically mailed as a check within 7 to 10 business days.
Do I have to pay the full balance, or can I pay just the minimum?
You can pay any amount between the minimum payment and your full balance. The minimum payment is shown on your billing statement. Paying only the minimum leaves the rest of your balance to accrue interest, so paying more than the minimum saves you money over time.
Is there a fee for paying online through Lowes.com?
No. Lowes.com does not charge a fee for online payments made through their website or app. If you pay over the phone, by mail, or through your bank's bill pay service, there is also no fee from Comenity.
How do I know if my payment went through?
After you submit a payment on Lowes.com, you should see a confirmation message on the screen and receive a confirmation email at the address associated with your account. Log back into your account a few hours later to see if the payment has posted. You can also call customer service to confirm the payment was received.