Does Lowe’s Have Layaway? Answered + Other Financing Options

Lowe’s does not offer a layaway program, customer service representatives for the home improvement store chain confirmed. To help you finance your purchase, Lowe’s offers a few different credit card options: the Lowe’s Advantage Card for individuals and various Lowe’s Business Credit Cards.

The Lowe’s Advantage Card runs promotional offers like 12 months of special financing. For current offers, ask an associate in-store or check online. To apply for a Lowe’s Advantage Card, you can fill out an application in-store or online. If you want to get approved for the card while potentially avoiding a hard credit check, see our article about using the shopping cart trick at Lowe’s.

Businesses can choose from the Lowe’s Accounts Receivable card, Lowe’s Business Account card, Lowe’s Business Rewards Card from American Express, and Lowe’s PreLoad Card. The PreLoad Card, which lets you load funds from a debit, credit, or a checking account, can be issued to employees or subcontractors. It does not require a credit check. However, all other Lowe’s credit cards do require a credit check. To apply for a Lowe’s Business Credit Card, fill out an application in-store or online.

For more ways to save at Lowe’s, see our article about the company’s promotions and discounts.

Similar Stores That Have Layaway

While you cannot take advantage of a layaway program at Lowe’s, there are other nationwide retailers that sell tools, furniture, and home improvement items that do offer layaway. Some of these include:

• American Freight (Note: American Freight also offers a lease-to-own option, American First Finance.)
• HomeGoods
• Kmart
• Sears
• Walmart (seasonal)

For even more layaway options, see our list of more than 35 places that do layaway, both online and in-stores.