Lowe was born in Vancouver, British Columbia, Canada to a Chinese father and a Scottish mother. At a young age, Crystal and her family moved to Hong Kong where she lived for a few years. As a result, she is now fluent in Cantonese. Because of her natural beauty, Crystal then entered such modeling competitions including "Miss Teen Oriental". She has been a sunshine calendar girl, has done various magazine covers and has been in various swimsuit competitions. She embraced acting at a very young age, but her mother worried that the intense competitive atmosphere of auditions was bad for her, so she was not allowed to act until the age of 15 when Crystal finally got her mother's blessing to become an actress.

She is often referred to in movies as Chrystal Lowe and Crystal Lo. Lowe is good friends with actresses Katharine Isabelle and Mary Elizabeth Winstead. They were also roommates. She moved to LA with Final Destination 3 co-star and best friend Chelan Simmons.

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