Buy now, pay over time
with Lowe's Pay

Get everything you need to start your project today and pay it back over time in predictable, equal monthly payments. There's nothing holding you back!

With Lowe's Pay, pay for your purchases starting at $50 over time with predictable, equal monthly payments.
Starting at 0% APR.* 0% APR available for 3-month term on purchases of $50-$999.99. Loan terms available for 3-24 months with APRs ranging from 0%-29.99%.

There's nothing holding you back! Simply select Buy Now Pay Later with Lowe's Pay at checkout to apply.

Here's how it works:

1)

Shop Lowes.com and fill your cart.

2)

At Checkout, select “Buy Now. Pay Later with Lowe’s Pay.”

3)

If approved, select the payment schedule that works for you, then confirm your loan.

4)

Make easy monthly payments. We’ll send you a monthly statement and email reminders.

FAQ

Have questions? We have answers.

Lowe’s Pay offers a simple and flexible installment loan that allows you to buy now and pay later for the things you want in predictable, equal monthly payments.
Yes. Lowe’s Pay is a single-purchase installment loan, so it can only be used to finance the initial purchase for which it was opened. Customers can have more than one Lowe’s Pay loan open simultaneously, but each loan is closed when it is paid in full.
No. Lowe’s Pay is an installment loan and can only be used to finance the original purchase for which it was opened. It cannot be used to finance additional purchases. You may apply for additional Lowe’s Pay installment loans to use for future purchases if offered at checkout
Yes, you can have multiple Lowe’s Pay and/or other Synchrony loans, subject to credit approval.

*Subject to credit approval. Lowe's Pay installment loans are provided by Synchrony Bank. Example: a $99 purchase would cost $33/month over 3 months at 0% APR. A $599 purchase would cost $55/month over 12 months at 14.99%. A $999 purchase would cost $98/month over 12 months at 29.99% APR.