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.

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.

Pay over time with Consumer Credit. Apply today

No Payments, Interest & Fees  If paid in full within 6 months

Don’t worry about payments, interest, and fees for six months.This offer applies to everything on your single-receipt purchase of $299 or more made on your Lowe’s Consumer Credit Card.  Available in-store and online for a limited time only.

 Not available for Quebec residents

No Payments, Interest & Fees  If paid in full within 12 months 

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 in -store purchase of a Major Appliance or Installed project purchase of $299 or more made on your Lowe’s Consumer Credit Card.  Available in-store and online for a limited time only.

Not available for Quebec residents.

Terms & Conditions

Consumer Credit Terms & Conditions

×No Payments and No Interest if paid in full within 6 months. Offer applies to single -receipt, in -store or online purchases of $299.00 or more (after taxes). Available in -store and online for a limited time only. Purchases must be made with a Lowe’s® Consumer Credit Card account. Cannot be combined with other credit -related promotional offers. 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. Not available for Quebec residents.  New Accounts, AIR 28.8%. Existing cardholders should see their credit card agreement for their standard terms. Offer is subject to credit approval by Synchrony Financial 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 12 Months No Payments and No Interest  if paid in full within 12 months. Applies to single receipt in -store purchase of a major appliance or installation project purchase of $299 or more (after taxes) made on your Lowe’s Consumer Credit Card. Available in-store for a limited time only. Cannot be combined with other credit related promotional offers. No monthly payments will be required, and No interest will be assessed on the 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 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. Not available for Quebec residents.  New Accounts, AIR 28.8%. Existing cardholders should see their credit card agreement for their standard terms. Offer is subject to credit approval by Synchrony Financial 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.