Why was my Lowe's Credit Card application denied?

The usual Lowe's Store Card approval time is instant, both for online and in-store applications. When you receive instant approval, you'll be sent an email with temporary card information that you can use until your card arrives. If the application does not go through, you will receive a letter in the mail within 7-10 days, informing you why it wasn't approved immediately.... read full answer

How to check if you qualify for the Lowe's Store Card without impacting your score

Lowe's Store Card offers online pre-qualification which only triggers a soft pull of your credit, without affecting your credit score. While pre-qualification does not guarantee you'll be approved, it indicates the odds are in your favor. If pre-qualified, you'll be invited to apply.

Applying will trigger a hard inquiry and can temporarily lower your score. Lowe's Store Card requires fair credit or better, so if you don't know where you stand, you can check your score for free, right here on WalletHub.

The credit score that you need for the Lowe's Store Card is 640, at a minimum. That means people with at least fair credit have a shot at getting approved for this card.

Other Lowe's Store Card Approval Requirements

You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Lowe's Store Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status, and housing status.... read full answer

Since all these criteria are taken into consideration, you might be able to get approved with a slightly lower credit score. But it’s best to wait and apply after you meet the Lowe's Store Card credit score requirement. You can check your credit score for free on WalletHub.