Three years ago I got a commercial Lowes credit card. I didn't think I would qualify, but I told them I have rentals I repair, and they said no problem. Apparently they will give one to almost anyone.
The best thing about it is that they deliver local loads for $20, instead of their regular $85, if that card is used. At the time I got about 30-40 4X12 sheets of 5/8 drywall on a clearance for real cheap, and they delivered it to my house for $20. I also bought sheathing OSB, and L/P siding for the same addition at home, as well as some Trex for a porch, all delivered for $20.
At the time I had a Ford Super Duty pickup, but imagine the number of loads that would have been...not to mention loading and unloading.
Best deal of that year.
I don't know how far it is to your local Lowes, but it might be worth looking into.
Rick Potter
DIY journeyman,
FWW wannabe.
AKA Village Idiot.