Does Lowe's offer net 30?

What Lowe's’s own pages say about paying on invoice terms — and what they don’t say about building business credit.

The short answer

Pay in full each billing cycle; optional net terms on approval

Program: Lowe's Commercial Account Credit Card (Synchrony)

Balance due in full each billing period. Two billing cycles to pay (Extended Terms), subject to approval. Optional Net Terms with daily invoicing and pay-by-invoice. No annual fee. Unpaid balances after due date accrue finance charges (agreement lists 18% APR).

This is a bank-issued commercial charge account serviced by Synchrony (lowes.syf.com), not Lowe's trade credit. The MyLowe's Pro Rewards cards (including the Amex version issued by Synchrony Bank) allow minimum payments and are revolving cards, not net terms.

How to get it

Apply online via Lowe's Business Credit Center. Subject to credit approval. The business's credit and the personal credit of any guarantor are used in the decision.

Personal guarantee: The account agreement provides for a Guarantor on the application, whose obligations are absolute and unconditional and whose personal credit may be checked.

Lowe's’s own page

Does it build business credit?

The account agreement says that if the account is not paid as agreed, the lender may report the account status and any guarantor's liability to credit bureaus. No statement about routine reporting of on-time payments.

What net-30 lists say

Net-30 lists often call this a net-30 account that reports to business bureaus; Lowe's official pages confirm pay-in-full and optional net terms, but positive bureau reporting is not published.

Common questions

Does Lowe's offer net 30?

Pay in full each billing cycle; optional net terms on approval. Balance due in full each billing period. Two billing cycles to pay (Extended Terms), subject to approval. Optional Net Terms with daily invoicing and pay-by-invoice. No annual fee. Unpaid balances after due date accrue finance charges (agreement lists 18% APR).

How do I get net terms with Lowe's?

Apply online via Lowe's Business Credit Center. Subject to credit approval. The business's credit and the personal credit of any guarantor are used in the decision.

Does Lowe's report to business credit bureaus?

The account agreement says that if the account is not paid as agreed, the lender may report the account status and any guarantor's liability to credit bureaus. No statement about routine reporting of on-time payments.

Sources

Taken from Lowe's’s own pages or its named program partner — not from other net-30 lists. Terms change; confirm with Lowe's before you rely on them. Last reviewed October 16, 2026.

We’re a supplier too, and we don’t take affiliate fees from anyone on this page. If something here is wrong, email info@peakdiscounters.com and we’ll correct it and re-date it.

Other retailers

84 LumberAce HardwareAmazonAppleB&H PhotoBest BuyCDWCostcoDellFedExFergusonGlobal IndustrialHarbor FreightHPMSC IndustrialNewegg BusinessNorthern ToolRestaurant DepotSam's ClubSherwin-WilliamsStaplesSyscoThe Home DepotTractor SupplyUPSUS FoodsWalmartWebstaurantStoreZoroNet-30 vendor directory

Buy from Lowe's for what it does well. Use us for Experian.

Peak Discounters is a business supply store that reports your account to Experian Business. $49 a year, refunded in full if we don’t approve you, and credited back once your orders total $250. It renews automatically each year at the then-current annual fee unless you cancel before the renewal date. We don’t report to D&B or Equifax — and we say so.

Apply for a Net-30 Account

Approval is subject to business verification. See what we can’t promise.