Does Lowe’s Accept Afterpay, Klarna, QuadPay, & Other Payment Services?

With the advent of systems like Afterpay, Klarna, and QuadPay, people have found it easy to buy more expensive items. Paying in installments means people can invest in the things they need.

Large home improvement projects are likely to be expensive, and I wondered whether Lowe’s accepted any form of ‘buy now pay later’ programs to make it easier on customers. Here’s what I learned!

Does Lowe’s Accept ‘Buy Now Pay Later’ Services?

Lowe’s does not accept Afterpay, Klarna, QuadPay, or any other form of ‘buy now, pay later’ services in stores. Lowe’s offers its own version of ‘buy now pay later’ services on certain products. This service is called ‘Lease to Own,’ making it easier for you to make large purchases without needing all the money upfront.

Now that you know that Lowe’s doesn’t accept any third-party ‘buy now pay later’ services, read on to find out why Lowe’s doesn’t accept Afterpay, Klarna, or QuadPay!

Why Doesn’t Lowe’s Accept Afterpay, Klarna, QuadPay, and Other ‘Buy Now Pay Later’ Services?

It’s not clear why Lowe’s does not accept Afterpay, Klarna, and QuadPay in its stores or online. However, lots of other retailers do offer the service.

Although Lowe’s doesn’t accept third-party ‘buy now pay later’ services, it does offer its own version with ‘Lease to Own’ services.

This is likely the main reason why Lowe’s has not opted to use these services, as they have their own in-house option.

What ‘Buy Now Pay Later’ Style Options Does Lowe’s Offer?

Lowe’s offers a Lease-to-Own service, allowing customers to slowly pay for purchases they need but, perhaps, don’t have the money for.

With that, the service allows the customer to pay monthly until eventual ownership for a value of up to $2500.

Though not identical to a ‘buy now pay later’ service, this program allows customers not to have to worry about making larger purchases.

Also, the service covers a range of products, which include:

  • Home appliances
  • Seasonal and outdoor living
  • Power tools
  • Home décor
  • Lighting fixtures

However, the service excludes these products:

  • Perishable and consumable items, including fuel, food, and fertilizer
  • Permanently installed products, like carpet and drywall
  • Service-related transactions, like haul-away services and installation

Also, there’s a minimum purchase requirement of $150, and you will need to be approved for the service, though no credit check is needed.

Moreover, the lease agreement is a standard 12 months, and not all applicants are approved. Additionally, progressive leasing is not available in Minnesota, New Jersey, Vermont, Wisconsin, or Wyoming.

What Can You Do Instead Of a ‘Buy Now Pay Later’ Service At Lowe’s?

What Can You Do Instead Of A 'Buy Now Pay Later' Service At Lowe's?

If you do not qualify for the Lease to Own service, your next option is to purchase your merchandise on a credit card.

With that, Lowe’s accepts most major credit card issuers. Also, Lowe’s offers its own store credit card, which comes with 5% back on all store purchases except gift cards.

For professionals, there is a range of credit options, including the Lowe’s Commercial account, the Lowe’s Rewards card, and the Lowe’s Business card.

All of these options allow you to make larger purchases and pay back gradually.

Another option for purchasing tools is to use Lowe’s tool rental service, which allows you to rent tools you need and then return them once used.

Though you cannot purchase tools with the rental service, you can get the merchandise you need for your project at a lower price.

What Other Forms Of Payment Does Lowe’s Accept?

Though it does not accept ‘buy now, pay later’ services, Lowe’s accepts a range of other payment types, including:

  • Cash
  • Debit cards (American Express, Mastercard, Visa, and Discover)
  • Personal checks
  • Lowe’s store credit cards
  • Gift cards

If you are looking to learn more, you can also read our posts on whether or not Lowe’s accepts PayPal, Lowe’s Pro Desk,  if Lowe’s takes Apple Pay.

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Marques Thomas

Marques Thomas graduated with a MBA in 2011. Since then, Marques has worked in the retail and consumer service industry as a manager, advisor, and marketer. Marques is also the head writer and founder of

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