Consumer Credit & Financing

Our consumer credit programs can help you find everything you need to remodel, redecorate, and renovate your home.

 Easy. Convenient. Fast.

Apply today and start saving immediately! Use your consumer credit to shop online or in-store. You can even pick-up in-store within an hour! It is a great option for bigger purchases like appliances, flooring, and outdoor power equipment.

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Apply In-Store for Lowe's Credit & Start Shopping!

You’ll receive a Temporary Credit Card to shop in store immediately. Once your Permanent Card arrives, you can shop both in-store and online on Lowes.ca.

At Lowe's, we are committed to helping people love where they live, because credit should be more than just a piece of plastic.

Save More with Consumer Credit When You Apply Today

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No Payments, Interest & Fees

Don’t worry about payments, interest, and fees for six months* when you apply for a consumer credit card. This offer applies to everything on your single-receipt purchase of $299 or more made on your Lowe’s Consumer Credit Card.

*Not valid in Quebec and if paid in full within in six months
Graphic of “12 Months”

No Payments, Interest & Fees

When applying in-store for your consumer credit card, ask for 12 months of no payments, interest, and fees.* This offer applies to single-receipt appliance, special order kitchen cabinet and countertop, trailer, and generator purchase of $299 or more made on Lowe’s Consumer Credit Card.

*Not valid in Quebec and if paid in full within in 12 months.
Graphic of “48 Months”

Fixed Monthly Payments

Get fixed-monthly payments on your consumer credit card when you apply in-store. Get fixed-monthly payments at 8.99 percent AIR until paid in full. Offer applies to single-receipt purchases of $1499 or more made on your Lowe’s Consumer Credit Card.
FIXED PAYMENT CALCULATOR

Terms & Conditions

Consumer Credit Terms & Conditions

6 Months No Payments
Applies to single-receipt purchases of $299 or more (after taxes). Purchases must be made with a Lowe's® Consumer Credit Card account. No monthly payments will be required and no interest will be assessed on this promotional purchase if you pay the promotional purchase amount in full within 6 months. If you do not, the interest that has accrued on the promotional purchase from the date of the purchase at the standard Annual Interest Rate ("AIR") will be assessed and monthly payments will be required. There are no administration fees associated with this program. Standard account terms apply to non-promotional purchases. Existing cardholders should see their credit card agreement for their standard terms. Not valid in Quebec. AIR 28.8%. Offer is subject to credit approval by Synchrony Financial in Canada. Excludes Lowe's® Business Credit Accounts, and all Lowe's® US Credit products. We reserve the right to discontinue or alter the terms of this offer at any time.

Ask for no monthly payments for 12 months.

Applies to single-receipt Appliance and Special Order Kitchen Cabinet and Countertop purchases including installation fees of $299 or more (after taxes). Purchases must be made with a Lowe's® Consumer Credit Card account. No monthly payments will be required and no interest will be assessed on this promotional purchase if you pay the promotional purchase amount in full within 12 months. If you do not, the interest that has accrued on the promotional purchase from the date of the purchase at the standard Annual Interest Rate ("AIR") will be assessed and monthly payments will be required. There are no administration fees associated with this program. Standard account terms apply to non-promotional purchases. Offer must be requested at the time of purchase. Existing cardholders should see their credit card agreement for their standard terms. Not valid in Quebec. AIR 28.8%. Offer is subject to credit approval by Synchrony Financial in Canada and excludes Lowe's® Business Credit Accounts, and all Lowe's® US Credit products. We reserve the right to discontinue or alter the terms of this offer at any time.

Ask For 48 Fixed Monthly Payments at 8.99% AIR Until Paid in Full.
Offer is not automatic and must be requested at time of purchase or order. Applies to any Lowe's® Consumer Credit Card in store purchase or order of $1,499 or more. Not valid online at lowes.ca. Interest will be charged on promo purchase at a reduced 8.99% AIR until promo is paid in full. Fixed monthly payments of approximately 2.4880% of the initial promo purchase are required. However, your minimum monthly payment calculated pursuant to the standard terms of your credit card agreement will continue to apply, and if you have a non-promo balance, will result in a higher required payment each month. Regular account terms apply to non-promotional purchases. For new accounts: Standard AIR is 28.8%; Existing cardholders should see their credit card agreement for their applicable terms. Offers are subject to credit approval. Excludes Lowe's® Business Credit Accounts, all Lowe's® VISA® Accounts and Lowe's® US Credit Accounts. We reserve the right to discontinue or alter the terms of these offers at any time.

Amount Financed Total Payment  48 Months Fixed Monthly Payments 
 $1499 $1791  $38 
 $1999  $2388 $50 
 $2499  $2985  $63
 $2999  $3582  $75
 $4499  $5373  $112
 $5999  $7165 $150 
 $7499  $8965  $187
 $9999  $11942  $249
 $12499  $14927  $311
 $14999  $17913  $374
 $19999  $23884  $498

 

ESTIMATED PAYMENT INFORMATION FOR THE FIXED PAYMENT PROMOTIONAL OFFER 

The fixed monthly payment shown above should allow you to pay the total promotional purchase amount shown in full within 48 months assuming:

  • This amount is and will be the only balance on your account during the promotional period.
  • You make your monthly payment by the due date each month. If you have any additional balances on your account, the monthly payments applicable to those balances will be added to this payment and may impact how payments are applied to this promotional purchase.