Lowe’s Credit & Lease-to-Own Center

Consumer Credit Financing Promotion Details: Offers are subject to credit approval. Special Financing and discount offers cannot be combined. If your purchase or order is over the minimum purchase required, you will be asked to select the offer you would like. We reserve the right to discontinue or alter the terms of these offers at any time. Excludes Lowe’s Business Credit Accounts, Lowe’s Visa^® Accounts and all Lowe’s Canada Credit Accounts.

For New Accounts: As of 3/7/24, purchase APR is 31.99% and Penalty APR is 36.99%. Minimum interest charge is $2.

*5% Off Every Day: Subject to credit approval. 5% offer applies to eligible US Lowe’s store and Lowes.com purchase or order after all other applicable discounts charged to your MyLowe’s Rewards Credit Card. Customer must pay applicable sales tax. Offer can’t be used in conjunction with or on: (i) other credit-related promotional offers; (ii) any other promotion, discount, markdown, coupon/barcode, rebate or offer, including any Lowe’s volume or special discount programs (such as but not limited to, Contractor Pack, Buy in Bulk, Member Volume Discount (“MVD”), Special Value, New Lower Price, Was: Now, Military Discount, Employee Discount, and Lowest Price Guarantee); (iii) associate discretion price adjustments; (iv) any services (such as but not limited to, rentals; extended protection/replacement plans; shipping, delivery, assembly or installation fees); (v) fees or taxes; (vi) previous sales; (vii) gift cards; or (viii) Weber, Kichler, or Miele products. Excludes Lowe’s Business Credit Accounts, Lowe’s Visa® Accounts and all Lowe’s Canada Credit Accounts. We reserve the right to discontinue or alter the terms of this offer at any time.

**No Interest if Paid in Full Within 6 Months. Offer applies to purchase or order of $299 or more on your MyLowe’s Rewards 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.

***84 Fixed Monthly Payments at 9.99% APR. Applies to purchase or order of $2,000 or more on your MyLowe’s Rewards Credit Card. Interest will be charged on the promo purchase from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required until paid in full. These payments are equal to 1.6596% of initial total promo purchase amount, rounded up to the next whole dollar and will not be adjusted for merchandise returns which may result in paying the promo purchase in less than 84 months. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases.

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.

†20% Off When You Open and Use a New Account: Subject to credit approval. To qualify for this offer, you must open and use a new MyLowe’s Rewards Credit Card. Limit one 20% off coupon per new credit account; offer is not transferable. Maximum discount is $100 with this offer. Accounts opened in store: One-time 20% off discount is not automatic; you must ask cashier to apply discount (barcode) at time of in-store purchase. Accounts opened online, via text-to-apply or QR code: You will receive a one-time coupon/promotional code, which may be used in store or online. If you do not receive a credit decision the day you apply but are later approved, a 20% off coupon will be provided via mail with your new card. The 20% discount will be applied after all other applicable discounts. Offer cannot be used in conjunction with or on: (i) 5% Off Every Day offer, Special Financing or any other credit-related offer; however, if the 5% Off Every Day discount offer is greater than $100, the greater discount will automatically be applied; (ii) any other promotion, discount, markdown, coupon/barcode, rebate or offer, including any Lowe’s volume or special discount programs (such as but not limited to Contractor Packs, Buy in Bulk, Value Savings Program (“VSP”), Special Value, New Lower Price, Military Discount, employee discount and Lowest Price Guarantee); (iii) associate-discretion price adjustments; (iv) any services (such as but not limited to rentals; extended protection/replacement plans; shipping, delivery, assembly or installation fees); (v) fees or taxes; (vi) previous sales; (vii) gift cards; or (viii) Weber, Kichler, or Miele products. Coupon is not redeemable for cash, is not transferable and cannot be replaced if lost or stolen. Void if altered, defaced, copied, transferred or sold (through any online auction or otherwise). Customer must pay applicable sales tax. Excludes Lowe’s Business Credit Accounts, Lowe’s Visa® Accounts and all Lowe’s Canada Credit Accounts. We reserve the right to discontinue or alter these terms at any time.

MyLowe’s Pro Rewards American Express® Card or MyLowe’s Pro Rewards Credit Card: The 20% off is not automatic and must be requested at time of purchase. If you do not receive a credit decision the day you apply, but are later approved, see the Pro Desk to receive discount on your in-store credit purchase. In addition to the limitations above, offer can’t be used in conjunction with or on sales on Lowes.com.

MyLowe’s Rewards Credit Card: Accounts opened in store: one-time 20% off discount is not automatic; you must ask cashier to apply discount (barcode) at time of in-store purchase. Accounts opened online, via Text-to-Apply, or QR code: you will receive a one-time coupon/promotional code, which may be used in store or online. If you do not receive a credit decision the day you apply, but are later approved, a 20% coupon will be provided via mail with your new card. In addition to the limitations above, offer can’t be used in conjunction with or on Special Financing.

MyLowe’s Pro Rewards credit cards

*5% Off Every Day: Subject to credit approval. 5% offer applies to eligible US Lowe’s store and Lowes.com purchase or order after all other applicable discounts charged to your MyLowe’s Pro Rewards American Express® Card or MyLowe’s Pro Rewards Credit Card. Customer must pay applicable sales tax. Offer can’t be used in conjunction with or on: (i) other credit-related promotional offers unless otherwise stated; (ii) any other promotion, discount, markdown, coupon/barcode, rebate or offer, including any Lowe’s volume or special discount programs (such as but not limited to, Contractor Pack, Buy in Bulk, Member Volume Discount (“MVD”), Special Value, New Lower Price, Was: Now, Military Discount, Employee Discount, and Lowest Price Guarantee); (iii) associate discretion price adjustments; (iv) any services (such as but not limited to, rentals; extended protection/replacement plans; shipping, delivery, assembly or installation fees); (v) fees or taxes; (vi) previous sales; (vii) gift cards; or (viii) Weber, Kichler, or Miele products.

The MyLowe’s Pro Rewards American Express® Card is issued by Synchrony Bank pursuant to a license from American Express. American Express and the American Express logos are trademarks of American Express Company and its affiliates. The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.

MyLowe’s Money 

¹MyLowe’s Money: NO CASH BACK. Nontransferable. MyLowe’s Money is not a credit, debit or gift card; it has no implied warranties. MyLowe’s Money can be redeemed during the stated redemption window with any other discounts, offers, or coupons. Limit of 5 per transaction. Void if altered, defaced, copied, transferred, or sold (thru any on-line auction or otherwise). MyLowe’s Money will be applied after all other applicable discounts, coupons, taxes and fees have been applied. MyLowe’s Money may not be redeemed or used on (1) gift cards, including Lowe’s-branded gift cards; (2) payments to a Lowe’s credit card or any third-party charge account; (3) on any Lowe’s branded website operated by a 3rd party; or (4) Weber, Kichler or Miele products. Returns: for merchandise purchased with MyLowe’s Money return value will be applied first to payment method and any remaining value will be returned as MyLowe’s Money to customer’s Wallet. Valid in U.S. only. Subject to change. Lowe’s reserves the right to withdraw MyLowe’s Money at any time for any reason. See Lowes.com/Terms for details.

⟡⟡The initial payment (plus tax) is charged at lease signing. Remaining lease payments will be determined upon item selection. Reduced initial payment promotion does not lower the total cost.  

△Standard agreement offers 12 months to ownership. 90-day and other early purchase options cost more than the retailer's cash price (except 3-month option in CA). To purchase early, or to cancel lease and schedule return of merchandise, you must call 877-898-1970. Retailer cannot activate early purchase options.

Ownership by rental/lease agreement with Progressive Leasing costs more than the retailer’s cash price. Select items only. At anytime, you may purchase early or return merchandise and cancel lease. Not available in MN, NJ, WI. 

Progressive Leasing obtains information from credit bureaus, but a credit history is not required. Not all applicants are approved.

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