Where to send your Lowe's credit card payment
You can pay your Lowe's credit card in three main ways: online through your account, by phone, or by mail. The fastest and most direct route is logging into your account at lowescard.com, where you can make a one-time payment or set up automatic payments. If you prefer to call, the customer service number is on the back of your card — they can process a payment over the phone, though you'll need your account number and bank details ready.
Mailing a check is slower but still an option. The payment address appears on your monthly statement. Write your account number on the check and allow 7 to 10 business days for the payment to reach Lowe's and post to your account. During that time, interest continues to accrue on your balance, so mailing works best if you're paying well before your due date.
One thing to know: Lowe's credit card is issued by Comenity Capital Bank, not by Lowe's itself. This matters because it explains why the website and phone number are separate from Lowe's stores. You're dealing with the bank that manages the card, not the retailer.
Key Takeaways
- Online payment through lowescard.com is the fastest method and lets you see your balance and due date immediately.
- Phone payments can be made by calling the number on your card's back, but mailed checks take 7 to 10 business days to post.
- You can set up automatic payments so your full statement balance or a fixed amount withdraws on the same day each month.
- Your payment due date is set when you open the account and stays the same each month unless you request a change.
Paying online through your account
Go to lowescard.com and sign in with your username and password. If you haven't set up an online account yet, you'll need your card number and Social Security number to register. Once you're logged in, you'll see your current balance, available credit, and due date on the main dashboard.
Click "Make a Payment" and choose whether you want to pay your full statement balance, the minimum payment, or a custom amount. Enter the payment date — you can pay immediately or schedule it for a future date, which is useful if you're paying from a paycheck that hasn't hit your account yet. Select your bank account and confirm. The payment usually posts within one business day if you pay immediately, or on the date you choose if you schedule it ahead.
Setting up automatic payments from this same screen saves you from having to log in each month. You choose the amount (full balance, minimum, or a fixed dollar amount) and the day of the month it should withdraw. This is especially helpful if you use the card regularly and want to avoid late payments.
Paying by phone
Call the number on the back of your Lowe's credit card. A representative will ask for your account number and the last four digits of your Social Security number to verify your identity. Have your checking or savings account number ready, along with the routing number — you'll find both at the bottom left of any check you write.
Tell the representative the amount you want to pay and the date you want it to come out of your account. They'll confirm the details and give you a confirmation number. Write this down — it's your proof that you called and made the payment. Like online payments, phone payments usually post within one business day.
Phone payments are useful if you don't have internet access or prefer talking to a person, but they take longer than logging in yourself. There's no fee for paying by phone, but you'll need to call during business hours, which vary by season.
Paying by mail
Write a check for the amount you want to pay. On the memo line, write your account number so the payment gets matched to your card. Include your account number on the check itself as well — some processing centers scan it automatically.
Mail the check to the address shown on your statement. Do not mail it to a Lowe's store; the statement lists the correct mailing address for payments. Allow 7 to 10 business days for the check to arrive and be processed. Your due date doesn't change because you mailed a payment — if your due date is the 15th and you mail a check on the 10th, it still needs to arrive by the 15th to avoid a late fee.
Mailing is the slowest option and carries the risk that your check gets lost in the mail. Use it only if you don't have online access or a phone, or if you're paying so far in advance that the delay doesn't matter.
Understanding your due date and payment timing
Your due date is the same day each month — usually the 15th or 25th, depending on when you opened your account. This is different from your statement closing date, which is when Lowe's tallies up everything you bought that month. Your statement closes on one date, and you have about 21 days after that to pay before the due date arrives.
If you pay after your due date, you'll be charged a late fee (the amount varies but typically ranges from $25 to $40) and your interest rate may increase. If you pay at least the minimum by the due date, you avoid the late fee, but you'll still owe interest on any balance you carry forward.
Payments made online or by phone post within one business day, so if your due date is a Friday, you can pay on Thursday and it will arrive in time. Mailed checks are riskier because they take longer. If your due date falls on a weekend or holiday, Lowe's extends the deadline to the next business day, but don't count on this — pay before the weekend to be safe.
What happens if you miss a payment
If your payment doesn't arrive by your due date, Lowe's will charge a late fee and report the missed payment to the credit bureaus. This stays on your credit report for seven years and can lower your credit score. The later you are, the worse the damage — 30 days late is worse than 15 days late, and 90 days late can trigger a lawsuit or wage garnishment.
If you realize you're going to miss a payment, call the customer service number on your card immediately. Some representatives can waive a single late fee if you've been a good customer, though they're not required to. Asking is always worth it, especially if this is your first missed payment.
If you're struggling to pay, you can request a lower minimum payment or a temporary hardship plan. These options don't erase what you owe, but they can make the monthly payment manageable while you get back on track. Call and ask about hardship programs — they exist specifically for situations like this.
Frequently Asked Questions
Can I pay my Lowe's credit card at a Lowe's store?
No, you cannot pay your Lowe's credit card at a store. Payments must go through lowescard.com, by phone, or by mail. Lowe's stores can help you with questions about the card, but they cannot process payments. This is because the card is managed by Comenity Capital Bank, not by Lowe's directly.
Is there a fee for paying online or by phone?
No. Lowe's does not charge a fee for online or phone payments. Some credit card companies charge a fee for phone payments, but Lowe's does not. Mailed checks are also free, though the postage is on you.
What if I pay more than I owe?
The extra amount becomes a credit on your account. You can use it toward future purchases, or you can request a refund by calling customer service. Refunds typically take 5 to 7 business days to reach your bank account.
Can I change my due date?
Yes. Log into your account at lowescard.com, go to account settings, and look for the option to change your due date. You can usually move it to any day between the 1st and the 28th. The change takes effect on your next billing cycle. You can also call customer service to request a change.
What if my payment is scheduled but I need to cancel it?
Log back into lowescard.com before the payment date and cancel the scheduled payment. If the payment has already posted, you cannot cancel it, but you can request a refund of the overpayment. If you scheduled it by phone, call customer service with your confirmation number and ask them to cancel it — they can do this as long as the payment hasn't already been processed.