Credit Score Needed For Lowes Card

Updated: 11th June, 2022
Ashley Astors
Verified Collections Expert

Lowes minimum credit score needs

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The minimum credit score needed for a Lowe's card is 620 FICO. This is the same for the Lowe's Advantage Card and for Lowes Business Cards. Make sure your revolving utilization is below 30% when you apply or they may deny you.

You should always consider improving your credit score first before applying. If you are denied, you will get hit by a hard inquiry that will lower your score for 12 months. Working with a professional to improve your scores is always worth it in the long-run.

Does Lowes Complete A Soft Pull When Checking Your Credit Score?

Lowe's actually does a hard pull when checking your credit. This causes your score to drop.

How To Pre-Qualify For A Lowes Credit Card

You can find out if you prequalify for a Lowe's Advantage Card by applying on their website.

What Are The Minimum Credit Score Requirements To Qualify (And Be Approved) For Lowe's Financing?

The minimum credit score you need to get approved for a Lowe's Advantage or Business card is 620.

What Are The Minimum Credit Score Requirements To Qualify For A Lowes American Express Business Rewards Card?

The minimum score to get approved for a Lowe's American Express Business Rewards card is 670.

What Credit Bureau Does Lowes Use When Checking Your Credit Score?

Lowe's uses all three major credit bureaus. They randomly select Equifax, Experian, or TransUnion to check the applicant's credit.

When Will Lowes Report Late Payments To Credit Bureaus?

Late payments will be reported and show up on your credit report.

Your Odds For Being Approved For A Lowes Credit Card - How Hard Is It?

As long as you have fair credit, getting approved for a Lowe's credit card is easy. The minimum credit score for approval is 620.

Does Lowes Complete A Hard Pull Of Your Credit When Applying For A Credit Increase?

No, a credit increase on a Lowe's Advantage card won't hurt your credit.

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