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.

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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 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 to set up AutoPay or easily make payments for your Lowe's purchase.

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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.