Pay your Lowe's credit card bill directly through the Lowe's website or by phone

You can pay your Lowe's credit card bill online through your account on Lowes.com, by calling the customer service number on the back of your card, or by mailing a check to the address shown on your statement. The online method is fastest — your payment posts within one business day — and requires only your card number and the amount you want to pay.

Lowe's credit cards are issued by Comenity Capital Bank, which handles all billing and payments. When you log into your Lowe's account online, you'll see your current balance, due date, and a payment button. You can pay the full balance, the minimum payment, or any amount in between. If you don't have an online account yet, you'll need to create one using your card number and Social Security number.

Key Takeaways

  • Online payment through Lowes.com is the fastest method and posts within one business day.
  • You can also pay by phone at the number on your card or by mailing a check to the address on your statement.
  • Your payment due date appears on your monthly statement, and late payments trigger interest charges and may affect your credit score.
  • Setting up automatic payments prevents missed due dates and ensures your account stays current.
  • Payments made online or by phone are processed when ready, but mailed checks take 7 to 10 business days to arrive and post.

Logging in to pay online

Go to Lowes.com and select "Sign In" in the top right corner. Enter your email address and password. If you don't have an account, select "Create Account" and follow the prompts — you'll need your Lowe's credit card number and the last four digits of your Social Security number.

Once logged in, look for "Credit Card" or "Manage My Account" in the menu. You'll see your account summary, which displays your current balance, available credit, and due date. Select the payment option, enter the amount you want to pay, and confirm. You can pay from a checking or savings account linked to your card, or use another bank account if you've set that up previously.

Paying by phone

Call the number on the back of your Lowe's credit card to reach Comenity Capital Bank's customer service. Have your card number and the amount you want to pay ready. A representative will walk you through the payment and confirm it when ready. Phone payments post within one business day, the same as online payments.

Customer service is available seven days a week. If you call outside business hours, you can use the automated system to make a payment without speaking to a representative. The automated system accepts payments from a checking or savings account.

Paying by mail

Write a check for the amount you owe and include your account number on the check. Mail it to the address shown on your statement under "Payment Address" — this is different from the address where you receive your bill. Do not send payment to the billing address.

Mailed checks typically take 7 to 10 business days to arrive and post to your account. To avoid a late payment, mail your check at least 10 days before your due date. If you're cutting it close to the important date, pay online or by phone instead.

Setting up automatic payments

Automatic payments remove the risk of missing a due date. Log into your Lowe's account online, go to "Manage My Account," and select "Automatic Payments" or "Autopay." Choose the amount you want to pay each month — you can select the full statement balance, the minimum payment, or a fixed dollar amount — and pick the day of the month when the payment should process.

You can change or cancel automatic payments at any time through your online account. If you set up autopay for the full balance, your account will always be paid in full by the due date, and you won't carry interest charges into the next month.

What happens if you miss a payment

If your payment doesn't arrive by the due date shown on your statement, your account becomes late. Lowe's charges interest on any unpaid balance starting the day after your due date. A late payment also appears on your credit report and can lower your credit score.

If you realize you've missed a payment, pay as soon as possible — even a few days late is better than waiting. Contact Comenity Capital Bank at the number on your card if you need to discuss a late payment or set up a payment plan. The sooner you bring your account current, the less interest you'll owe.

Understanding your statement and due date

Your monthly statement shows your opening balance, all purchases and credits from the past month, your new balance, the minimum payment due, and your due date. The due date is usually the same day each month — often the 15th or 25th, depending on when your account was opened.

Your statement also shows the interest rate (APR) applied to your balance and the interest charges from the previous month. If you pay your full balance by the due date each month, you won't pay any interest. If you carry a balance, interest accrues daily on the unpaid amount.

Frequently Asked Questions

How long does it take for an online payment to post?

Online payments through Lowes.com post within one business day. Payments made after 5 p.m. Eastern Time may not post until the following business day. Payments made on weekends or holidays post on the next business day.

Can I pay my Lowe's credit card bill at a store?

No, you cannot pay your bill in a Lowe's store. You must pay online through Lowes.com, by phone, or by mail. Some Lowe's locations have kiosks, but these are for other services, not credit card payments.

What if I don't receive my monthly statement?

Log into your online account to view your current balance and due date. You can also call the number on your card to request a statement be mailed or to confirm your due date. If you've moved, update your address in your online account to may support future statements arrive on time.

Can I set up automatic payments for just part of my balance?

Yes. When you set up automatic payments, you can choose to pay the full statement balance, the minimum payment, or a fixed dollar amount each month. You can change this amount or cancel autopay at any time through your online account.

Is there a fee to pay my bill online?

No, there is no fee to pay your Lowe's credit card bill online, by phone, or by mail. Lowe's and Comenity Capital Bank do not charge a payment processing fee.