Does Lowe’s use Affirm in 2023 | Guide

Yes, Lowe’s uses Affirm as one of the payments method. You can use Affirm virtual card to finance your purchases at Lowe’s.

Are you having issues in paying with Affirm at Lowe’s?

Are you finding it hard to use Affirm virtual card at the store?

We are glad to inform you that, you have reached the right web page. Here, you are going to find answers to all of your questions.

Does Lowe’s use Affirm

Yes, Lowe’s uses Affirm financing options. You can create an Affirm virtual card and use it at Lowe’s official website checkout page. Moreover, Lowe’s also supports Affirm financing options at the stores as well.

A lot of users have been asking a similar question about Affirm financing at Lowe’s online and offline. Well, most of the Google results show incorrect information about the same. But, in our latest research, we have found that Lowe’s accepts Affirm as a financing option.

You can Affirm not only on Lowe’s online platform but at stores as well. In the second part of this post, we will be providing our readers with a guide to using Affirm at Lowe’s.

And before you start, we would like to mention that Lowe’s provides other financing options as well. If you cannot use Affirm because of any reason, Klarna can also be used to finance your purchases at Lowe’s. The borrowed amount can be paid back in 4 easy installments.

But, if Affirm is your final choice, you can check the guide provided below.


How to use Affirm at Lowe’s

To use Affirm at Lowe’s, you will first have to create an Affirm virtual card. This card has to be used at Lowe’s checkout page. Choose card as your payment method and submit the needful details.

So, the guide we are about to include here describes the steps to create a virtual Affirm card and use it as the payment method at Lowe’s online store. The same card can also be used at Affirm Lowe’s offline stores.

So, if you are ready, let us dive right into the details.

Step 1 – Go to official Affirm website or app

To create the Affirm virtual card, you will have to visit the official Affirm online platform. Well, there are two different platforms. You can either visit the Affirm website, that is,

If you are a mobile user, you can proceed with a mobile device as well. Just download the official Affirm mobile app, which is available for both Android and iOS platforms.

Log in with your Affirm account credentials and continue with the next step. If you are using Affirm for the time, you can create an account using your US-based mobile number. Complete the verification procedure, submit details, and you will be good to go.

Step 2 – Search & Select Lowe’s

After successfully logging into the account, you will find yourself on the homepage of the Affirm website or the app. There you will see the section of participating stores.

Using the search box, find and select Lowe’s store. You will receive a prompt on your screen. Simply hit the ‘Continue’ button and proceed with the following step.

Step 3 – Select the required amount

Before you proceed with the next step, make sure you know the exact amount that you wish to finance with Affirm services. You can reach out to Lowe’s website and select the product you wish to buy.

We will suggest you reach the checkout page as well. This way, you will find out the exact amount, including the delivery charges or any extra charges as well.

Once you have confirmed the amount you wish to borrow, enter the same amount on the page asking for your confirmation. Once done, continue with the next procedure.

Step 4 – Select ‘Get Card’

On entering the amount you want to borrow, Affirm will finally create your virtual card. Select ‘Get Card,’ and you will be good to go.

Step 5 – Select a installment schedule

Before you can get your Affirm virtual card, you will be asked to select a payment plan. It is nothing but a schedule that you want to follow in order to pay back the amount you borrowed from Affirm.

You get to choose from two different plans, and you can select the suitable one.

Affirm payment plan

For instance, in the screenshot shared above, you will see two different options. You can choose if you want to pay the amount over 3 months or 6 months.

One must select the plan carefully. Where, in the second choice, you will have to pay more amount as interest, but you get the ease to pay back the amount over six months.

Do not over-commit and select the first plan. On paying late installments, you will be charged an extra fee. So, think before you select a suitable plan for you.

You can always pay the entire loan amount in a go if you want to avoid any interest charges. Finally, select ‘Continue’ and proceed with the next step.

Step 6 – Setup Autopay feature

If you do not want a risky free installment option, you can always set up Autopay. As the name suggests, the feature pays the installment amount automatically by transferring the funds directly from the source to Affirm.

Users have to add a payment method to set up the Autopay feature.

This is completely optional. You can skip this step and proceed with the next step.

Step 7 – Confirm your Affirm loan

You will be redirected to a confirmation page. Select ‘Confirm Loan’ to confirm your loan from Affirm.

Step 8 – Copy Affirm card details

On the final confirmation, you will finally get access to your Affirm virtual card. Copy the card details like card number, expiry date, and other important details.

This Affirm virtual card will be expired in 24 hours. So, make sure you use it within 24 hours. If your card expires, you can create a new virtual card for no extra charges.

Step 9 – Go to Lowe’s checkout

Got your Affirm virtual card details? Now, for the final step, you will be required to visit Lowe’s website. Select the product if you haven’t already.

Enter the required details and reach out to the checkout page. There select the option to pay with the card.

Enter Affirm card’s number, expiry date, CVV, and other required details in the given space. And you are done.

For the payment schedule, you can always visit the payments tab on or the mobile app.


1. Does Lowe’s take Affirm?

Yes, Lowe’s takes Affirm virtual card for financing purchases at both online and offline stores. Simply, create an Affirm virtual card and submit details at Lowe’s checkout page or at the cash counter.

Final Words

And that’s pretty much all, ladies and gentlemen.

Now you know if Lowe’s accept Affirm at store. And with the help of our details guide you can now pay at Lowe’s offline or online store using Affirm virtual card.

For any kind of assistance, leave your comment below in the comments section, we will be able to help you out.

Further Reading:

Why did my Affirm limit decrease (5 Reasons)

Can you pay Affirm with a Credit Card (Step Guide)

Can you use Affirm to pay bills

Does Best Buy accept Affirm in 2022? How to use it?

Can you use Affirm virtual card on Cash App, Venmo, PayPal, Google Pay, Apple Pay