Lowe's financing with Affirm: buy now pay later with our payment option

Buy now, pay later at Lowe’s

Shop at Lowe’s to pick up all your home improvement necessities—including tools, paint, outdoor equipment, and more. Then, pay over time using Affirm so you can DIY without paying any hidden fees. See footer for details.

Shop Lowe’s

How to use financing with Affirm at Lowe's

1. Shop at Lowe's

When you’re ready to check out at Lowe's, follow the prompts to enter a payment method. Download the app or sign in at affirm.com to request a virtual card for Lowe's.

2. Request a virtual card from Affirm

Tell us how much you want to spend at Lowe's and request a one-time-use virtual card. Choose the payment plan that works for you to generate a virtual card. Then, copy and paste the card details and complete your purchase.

3. Make simple and easy payments

Download the Affirm app or sign in at affirm.com to set up AutoPay or easily make payments for your Lowe's purchase.

Shop now at Lowe's

For illustrative purposes only. See footer for details.

Why it’s smarter to shop Lowe’s with Affirm

When you shop at Lowe’s with Affirm, you’ll never pay more than what you see up front. Unlike most credit cards, we charge simple interest, not compound interest. Plus, there are no late fees, hidden fees, or just because fees.

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Pay over time at thousands of brands

Shop at your favorite stores or discover someplace new with the Affirm app.

Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Your rate will be 0–36% APR based on credit, and is subject to an eligibility check. Affirm Pay in 4 payment option is 0% APR. Options depend on your purchase amount, may vary by merchant, and may not be available in all states. A down payment may be required. For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks. The Affirm Money Account is held with Cross River Bank (CRB), Member FDIC. Affirm is not a bank. FDIC insurance covers accounts held with CRB in the event CRB fails. California residents: Affirm Loan Services, LLC is licensed by the Department of Financial Protection and Innovation. Loans are made or arranged pursuant to California Financing Law license 60DBO-111681. The Affirm Card is a Visa® debit card issued by Evolve Bank & Trust (Evolve), Member FDIC, pursuant to a license from Visa U.S.A. Inc. Affirm is not a bank. FDIC insurance will only cover the failure of Evolve. Learn more. The Affirm Card is not available to residents of U.S. territories. The one-time-use Affirm virtual card is issued by Sutton Bank, Member FDIC, or Celtic Bank, pursuant to a license from Visa U.S.A. Inc. Affirm, Inc., NMLS ID 1883087. Affirm Loan Services, LLC, NMLS ID 1479506. For licenses and disclosures, see affirm.com/licenses.