Lowe's Home Improvement

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Lowe's Project Card - Perfect for major purchases

The Lowe's Project Card offers you a financing option for projects and major purchases made at Lowe's.
  • No interest during each 6-month purchase period. After the purchase period ends, an APR of 7.99% - 17.99% will apply.*
  • Low monthly payments
  • Minimum first purchase $1000
  • Online account management
Apply In-Store
Aplique en la tienda
Project Window Details
  1. Step 1: To use the card, you must open a "Project Window" with an initial purchase of $1,000 or more.


  2. Step 2: After your Project Window opens, you’ll enjoy a 6-month purchase period with no interest accruing†. Minimum monthly payments will be required during the 6-month purchase period.


  3. Step 3: A Project Window purchase period remains open for 6 months, and only one Project Window purchase period may be open at a time.


  4. Step 4: After the 6-month purchase period ends, interest will begin to be assessed and fixed monthly payments will be required.


  5. Step 5: After the 6-month purchase period ends, another Project Window can then be opened* at any register with a purchase of $1,000 or more.
Initial Qualifying Purchases
$1,000
Credit Line
Generous credit lines available to support major home improvement projects.
APR
Rates range from 7.99% - 17.99%*
Lowe's Project Card
Project Payment Estimator

Access our helpful Project Card payment estimator to determine what your payments could be for your home improvement projects.


Please enter full dollar amount over $3,000

Please note: A Project Window can be opened with an initial purchase of $1,000 or more; however, this Project Card Payment Estimator can only provide estimates for Project Amounts over $3,000.

Apply In-Store
Aplique en la tienda


      Online Account Management
  • Account summary
  • Pay online
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Which type of Lowe's card do you have?


A Consumer Credit Card
A Project Card
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Please note: In order to register for Online Account Management, your card must first be activated.
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Having trouble deciding which Lowes card is right for you? Try our card selector tool.

Lowe's Consumer Credit is issued by GE Capital Retail Bank. The GECRB Privacy Policy governs the use of Lowe's Credit. This privacy policy may be different from the Privacy Policy of Lowe's.

Are you a Canadian customer looking for credit services? Please visit our Canadian site at Lowes.ca

*A Project Window is established when an initial purchase of $1,000 or more is made with a Lowe's® Project CardSM. All purchases made during the six month period after a Project Window begins will be included in the Project Window. During this six month period, no interest is assessed for those purchases and minimum monthly payments are required. After the conclusion of the six month period, interest will begin to be assessed for that Project Window and fixed monthly payments will be required. After the conclusion of the six month period, a new Project Window can be established by making a new purchase of $1,000 or more with a Lowe's® Project CardSM. An APR tier will be assigned when an account is opened:  Tier 1: 7.99%, Tier 2: 9.99%, Tier 3: 11.99%, Tier 4: 13.99% or Tier 5: 17.99%.  Minimum Finance Charge:  $1.00.  Subject to credit approval.  Excludes all Lowe's Canada Credit products.