Lowe's Home Improvement

Credit Terms and Conditions

5% off*
or Special Financing**

Choose 5% off every day,* or select 6 months special financing with a $299 minimum purchase** when you use your Lowe's Consumer Credit Card.

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CREDIT FINANCING PROMOTION DETAILS: Offers subject to credit approval. Special Financing and 5% off discount offers cannot be combined. If your purchase or order is $299 or more, you will be asked to select the offer you would like.

How to receive: Pay with your Lowe's® Consumer Credit Card and receive 5% off your purchase or order or spend $299 or more and choose special financing for 6 months. If your purchase or order is $299 or more, you will be asked to select the offer you would like.

*5% off your Lowe's® Consumer Credit Card purchase: Get 5% off your purchase or order of any in-stock or Special Order merchandise charged to your Lowe's® Consumer Credit Card. Offer is not valid on previous sales; purchase of services; gift cards; Dacor®, ICON®, Fisher & Paykel®, Monogram, Smeg or Liebherr appliances (some brands not available in all markets/stores), Weber products or Kichler. Offer cannot be used in conjunction with any coupon, Lowe's military discounts, Lowe's employee discounts or Lowe's low-price guarantee; or

**No interest if paid in full within 6 months. Offer applies to purchase or order of $299 or more made on your Lowe's® Consumer Credit Card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 months. Minimum monthly payments required. No interest will be assessed on the promotional purchase if you pay the promotional purchase in full within 6 months from the purchase date. If you do not, interest will be assessed on the promotional purchase from the purchase date. Depending on purchase amount, promotion length and payment allocation, the required minimum monthly payment may or may not pay off purchase by end of promotional period. Some or all of the minimum payment based on the promotional balance may be applied to other account balances. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases. For new accounts: Standard APR is 24.99%. Minimum interest charge is $1.00. Existing cardholders should see their credit card agreement for their applicable terms. Only one credit related promotional offer can be applied to any one item on a sales receipt. The "purchase date" for an item is the date it is charged to your account. Your account will be charged immediately for an item, unless otherwise provided on your order sales receipt.

Excludes Lowe's® Business Credit Accounts, all Lowe's® VISA® Accounts, and Lowe's® Canada Credit Accounts. We reserve the right to discontinue or alter the terms of these offers at any time.