For Lowe’s to approve the application, you need to have an excellent credit history, a stable income, and a low debt utilization ratio. You should be aware that using too much of your existing revolving Lowes Credit Card is a sign that you are likely to be unable to repay it.


Make sure that too many loans have not been applied for in the recent past, as well as making sure that you have not applied for too many loans in the past. The more loans you apply for, the less likely you are to be approved for them.

Some Features Of Credit Card

  • Membership is free.
  • Spend $299 or more and get 5% off your merchandise purchase or order. Also, choose special financing within six months. When you purchase a product or place an order of $299 or more, you have the option to select the offer you want.
  • Additionally, we would like to draw your attention to the fact that the 5% refund option does not apply to past sales, service contracts, gift cards, Dacor, ICON, Fisher & Paykel, Monogram, Smeg or Liebherr appliances (some of these brands are not fully available at markets/stores), Weber products or Kichler products. Except for offer, cannot be combined with coupons, Lowe’s Military Discount, Lowe’s Employee Discount or Lowe’s Low Rate Guarantee.
  • Interest will be charged on the promotional purchase from the date of purchase for the 6 month special financing option if not paid in full within 6 months of the promotional purchase. Payments must be made in full within this period.
  • In most cases, the due date for each billing period is 23 days after the end of the previous billing period. As long as you pay your balance in full each month by the due date, we will not charge interest on purchases.
  • Late Payment Fee: Up to $35.