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Lowe’s Payment Methods

The front of a Lowe's hardware store.

Lowe’s is a home improvement and gardening store. It operates big-box stores with large parking lots and you’ll see them in many Southern California strip malls. This store sells appliances such as refrigerators and stoves as well as household furniture. It also sells a wide variety of ornamental plants. And it sells tools as well.

Many of the products at Lowe’s are designed for long-term use and may last for decades. These types of products often have relatively high upfront costs and some of them cost $1000 or more. So you might want to consider long-term financing if you’re planning to make a major purchase at this store. Lowe’s accepts several payment methods.

Does Lowe’s Accept Major Credit Cards?

Lowe’s accepts Mastercard, Visa, American Express, and Discover cards. It accepts both credit cards and debit cards. It also accepts cash and will accept large bills such as $50 and $100 bills after verifying their authenticity. Additionally, Lowe’s also accepts personal checks.

Does Lowe’s Accept Mobile Payment Methods?

Lowe’s accepts Apple Pay, Google Pay, Samsung Pay, and other contactless payment methods for in-store purchases. It began supporting tap-to-pay in its stores in December 2023. While Lowe’s began accepting contactless payments for in-store purchases later than many other stores, some of its main competitors still don’t accept this form of payment. Lowe’s doesn’t accept PayPal for in-store purchases, though, unlike some competitors.

Lowe’s has both an Android app and an iPhone app. It’s noteworthy that both of these apps come with augmented reality (AR) features that help you plan home improvement projects. And Lowe’s also accepts Apple Pay and PayPal for online purchases.

Does Lowe’s Accept International Payment Methods?

It’s likely that Lowe’s can accept JCB and UnionPay cards by processing them through the Discover network. Additionally, Lowe’s should also be able to accept RuPay global cards from India by using the same process.

Does Lowe’s Accept EBT?

Lowe’s doesn’t accept EBT. While you can buy edible plants and seeds from grocery stores and farmers’ markets with this payment method, the EBT program has rules that limit where you can use this payment method to stores that sell lots of groceries and Lowe’s is primarily a home improvement store. If you’re looking for an alternative, Walmart sells plants and seeds as well as groceries.

Does Lowe’s Accept Buy Now, Pay Later?

You can also use Klarna, Affirm, Zip, Sezzle and PayPal’s BNPL service to split your purchase into installments at Lowe’s. This store doesn’t accept Afterpay, though.

Does Lowe’s Offer Its Own Payment Methods?

Lowe’s sells reloadable gift cards, so you can visit its stores and reload these prepaid cards with cash. This is noteworthy because many retailers provide gift cards that you can’t reload. Lowe’s also has credit cards that are specially designed for contractors.

Lowe’s also supports split payments for in-store purchases so you can use a gift card and a credit card to make partial payments for a single transaction. You can also use multiple gift cards to pay for a single purchase. Some of this store’s discounts may only apply to one payment option, though.

What’s Another Useful Fact About Lowe’s?

You can also rent tools from Lowe’s. Other hardware stores and home improvement stores may allow you to rent tools from them as well.

What Lowe’s Alternatives Accept Apple Pay?

Ace Hardware is a cooperative that gives its members a great deal of control over the products their stores sell. Some Ace Hardware stores sell farming supplies and other specialty products in addition to the merchandise you’d expect to see at a hardware store.

Do-it Center is another association of hardware stores that are independently operated. Its store owners can also decide what merchandise to stock and their inventory varies by location.

Harbor Freight is a hardware store that sells a wide variety of products, including saws and flashlights. It’s also known for its low prices and it has stores throughout Southern California.

Batteries Plus is a specialized hardware store that sells batteries and light bulbs. It stocks batteries for mobile devices and vehicles. But it doesn’t sell many of the other products that are available at Lowe’s.

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