You can qualify for the Lowe's Store Card pre-approval if you have at least fair credit and your other financial information matches the issuer’s specific criteria for sending you an offer.
You can also check if you pre-qualify online, without hurting your credit score. Pre-qualification doesn’t guarantee approval, but it does give you around a 90% chance of approval if you choose to apply.
What you should know before applying for the Lowe's Store Card:
However, if you do prequalify and want to get the card, you will need to submit an actual application which will result in a hard pull. This inquiry might negatively affect your credit score for a little while.
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 easiest way to apply for the Lowe's Store Card is by filling out an application online. Alternatively, you can apply for this card in person, at any Lowe’s store location. You cannot apply for the Lowe's Store Card over the phone.
Fill in the last 4 digits of your Social Security number and your phone number.
Provide more personal information, including your address, full SSN, and salary.
Follow the instructions to complete your application.
How to Apply for the Lowe's Store Card in Person
You can apply for the Lowe's Store Card in person by visiting your nearest Lowe’s location. Ask your cashier about filling out an application, or go to the customer service desk.
If you’re approved the same day, you’ll be able to use the card for your purchases. New cardholders are usually eligible for a discount on their first purchase, regardless of whether they’re approved the same day they apply.
Ultimately, if you have applied for the Lowe's Store Card but haven’t yet received a decision, you can check the status of your application by calling (800) 445-6937 and choosing the “Lowe's Store Card” option.
Your Lowe's Store Card application might have been denied for many reasons. In the majority of the cases, it's because of:
A low credit score
Not enough income
Too much existing debt
A recent delinquency on your credit report
If you think the issuer's decision of denying you is unreasonable, try asking for a reconsideration. Call … read full answer(412) 381-5500 to talk to a representative and make your case. It's not guaranteed it will work, but it doesn't hurt to try.
If they still say no, consider applying for a secured card instead. You can choose one that fits your needs from our editor's latest picks for the best secured credit cards.
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