Lowe’s is one of the largest home improvement stores in the United States, and you might want to get large home improvement items. They can be really expensive, as we all know. Do you want to get a home improvement item at Lowe’s and it’s really expensive? And you’re wondering if Lowe’s accepts Affirm and other Buy Now, Pay Later services as a form of payment. Well, keep reading because your answers are in this article. Let us know ‘Does Lowe’s Accept Affirm?’.
Unfortunately, Lowe’s does not accept Affirm and other Buy Now, Pay Later services, but don’t be disappointed. You can make large purchases at Lowe’s stores even if you don’t have enough money. This is because Lowe’s has their own Buy Now, Pay Later service, which allows you to pay for your purchases in installments. This service is called “Lease to Own”. But this service is limited to certain items and it’s not available in some states.
What is affirmed? And why don’t Lowe’s stores accept Affirm?
You may have heard about Affirm, the payment option that allows you to buy now and pay over time with little to no interest fees.
Lowe’s stores do not accept Affirm and other Buy Now, Pay Later services, and the reasons are unknown to the general public. But don’t worry, you can still pay for your purchases in installments at Lowe’s and this is because they have their own financing services which allow their customers to pay for their purchases over some time.
This is great news for Lowe’s customers because home improvement items are very expensive these days, and they can easily use Lowe’s “Lease to Own” service to make payments at their own pace.
How to Use Lowe’s “Lease to Own” Service?
As earlier stated, Lowe’s lease-to-own service allows its customers to pay for items they need but do not have the money to pay for them right away.
Also, to be eligible for the Lease to Own service, you must make a minimum payment of $150 and your application must be approved before going ahead to access the program.
To apply for this service, visit Lowe’s website online and select the “Lease to Own” button. Press “Apply,” then go ahead and fill in the necessary information required.
Note that not all applications are approved and the reasons are not quite known to the general public, so ensure that while applying for the service, you input all your information correctly and accurately to avoid your application being rejected.
Once approved, you can select the Lease to Own option when purchasing online, and if you want to use it in Lowe’s stores, you can select the Lease to Own option at the cashier, and you can pay for your purchases for 12 months.
Also note that the Lowe’s Lease to Own service is not available in the following states:-
- Wisconsin
- New Jersey
- Wyoming
- Vermont
- Minnesota
Items Available for the Lowe’s Lease to Own Service
It should be noted that not all items are eligible for the Lowe’s Lease to Own service. The items that are eligible for this service are:-
- Home Decor
- Home Appliances
- Power Tools
- Lighting Fixtures
- Seasonal and Outdoor Living
The items not eligible for the Lowe’s Lease to Own service are:
- Permanently installed products such as carpets, drywall, e.t.c.
- Consumable and perishable items such as fertilizer, fuel, and food e.t.c.
- Service-related transactions such as hauling away services and installations, e.t.c.
Other Payment Options at Lowe’s
Lowe’s also accepts other forms of payment, so if you don’t want to use the Lowe’s Lease to Own service, you don’t have to worry because you can use other payment options accepted at Lowe’s and they are:-
- Gift Cards
- Personal Checks
- Credit Cards
- Debit Cards
- Cash
- Lowe’s Credit Cards
Conclusion
Lowe’s stores do not accept Affirm and other Buy Now Pay Later services, but if you want to get items at Lowe’s, you can get them at discounted prices using credit cards as payment options, or you can use the Lowe’s Lease to Own service, which works the same way as Affirm and other Buy Now Pay Later services. Using the Lowe’s Lease to Own service, you can pay for your expensive purchases over 12 months.
Frequently Asked Questions
- Why is my Lease to Own application getting rejected?
Ans:-Make sure all your information is direct and accurate when applying. Also, make sure you have proof of employment that you can pay for your purchases as agreed.
- Does my Lease to Own application require a good credit score?
Ans:- No, Lowe’s does not check your credit score before approving your application.
- Can I use the Lowe’s Lease to Own service to pay for my purchases over 18 months?
Ans:- No, Lowe’s only accepted payment within 12 months. You can’t exceed that.
