Pay over time at Lowe's

Lowe's is a home improvement chain selling appliances, tools, building materials, lawn and garden and home decor. We confirmed Affirm, Progressive Leasing and Synchrony credit card here.

Ways to pay over time

Options and terms can change and depend on your credit. Confirm at checkout before you accept.

Pay later

Affirm

Minimum purchase
$35
APR
0% to 36%
Credit check
Won't affect your score

Checked Nov 10, 2026 The store’s website says it offers Affirm

Store offer, minimum and plan lengths are from Lowe's’s website. APR and credit check are Affirm’s general terms.

All Affirm stores and terms

Lease-to-own

Progressive Leasing

Cost
More than cash price
Credit check
No credit needed

Checked Nov 10, 2026 The store’s website says it offers Progressive Leasing

Store offer, minimum and plan lengths are from Lowe's’s website. Cost and credit check are Progressive Leasing’s general terms.

All Progressive Leasing stores and terms

Store credit card

Synchrony credit card

Name at checkout
MyLowe's Rewards Credit Card
APR
Promo offers, then the card's purchase APR (34.99% on new Synchrony HOME cards)
Credit check
Credit card application

Checked Nov 14, 2026 Synchrony Bank issues the MyLowe's Rewards Credit Card, checked on Synchrony's website

Store offer, minimum and plan lengths are from Lowe's’s website. APR and credit check are Synchrony credit card’s general terms.

Synchrony financing: how it works

How to pay over time at Lowe's

  1. Add what you want to your cart on lowes.com (at least $35).
  2. At checkout or on the store’s financing page, choose Affirm, Progressive Leasing or MyLowe's Rewards Credit Card.
  3. Each one runs its own check. The cards above show which use a soft check and which can affect your credit.
  4. Compare the plans and the total cost, then accept only if the total works for you.

Questions about Lowe's financing

Does Lowe's offer financing?

Yes. We confirmed Affirm, Progressive Leasing and Synchrony credit card at Lowe's on Nov 14, 2026. Options can change, so check at checkout before you buy.

Is there a minimum purchase to use Affirm at Lowe's?

Lowe's says the minimum is $35. Below that, Affirm may not show at checkout.

Will checking my rate at Lowe's affect my credit score?

Checking your plans with Affirm does not affect your credit score. If you take a loan, Affirm reports it to Experian, including Pay in 4.

Can I use Affirm in a Lowe's store?

We checked online shopping at Lowe's only. If the store has physical locations, ask there whether financing is available.

More stores: Home improvement

All home improvement financing stores

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