A young couple sits on their dark gray Lovesac Sactionals setup while completing paperwork together.A young couple sits on their dark gray Lovesac Sactionals setup while completing paperwork together.

Lovesac Financing

Apply for a Lovesac Credit Card to get

our promotional financing upon approval.

Get 24-Month Promotional Financing†

On purchases made on your Lovesac credit card.

Lovesac Cardholder Benefits

  • No annual fee****
  • Receive special offers throughout the year
  • Convenient online account management & bill pay
  • Available in showrooms and online

Apply Online or in a Showroom

It's easy to apply online or in a showroom. Answer a few questions and receive an instant credit decision. If you wish to use your card immediately online or in-store, please have your account number ready at the time of purchase. For assistance, chat with us below or email us and we'll call you within 24 hours.

Need Help Now?

If you'd like more assistance while applying, let us help you. Chat with us online or give us a call.

Manage Your Account

Already a Lovesac credit card member? Pay your bill online, view recent activity, & update your account information.

Frequently Asked Questions

Q: How do I apply?

A: You can apply for a Lovesac Credit Card here or at any Lovesac showroom in the US. Find your local showroom here.

Q: Where can I use my Lovesac Credit Card to make purchases?

A: Use your card online, when placing an order via phone, or at any of our Lovesac showrooms.

Q: Are my online purchases secure?

A: Your security is important to us, and we guarantee that shopping at Lovesac is safe – no matter which credit card you use. We employ SSL (Secure Socket Layer) encryption to protect your information.

Q: Who do I contact for further information or account inquiries?

A: Please contact Synchrony Bank Credit Card Customer Service at 1-800-333-1076 or click here to Manage Your Account.

Q: How do I know how much I have available on my credit card?

A: To find out how much available credit is on your Lovesac Credit Card account, please contact Synchrony Bank Customer Service at 1-800-333-1076.

Q: Can I make a Lovesac Credit Card payment online?

A: Absolutely. Just click on the Manage Your Account link and follow the prompts to access your account.

Q: What if I don't have enough available credit on my account to complete this purchase?

A: Please contact the Customer Love Team.

Q:I just got my statement and the financing option isn't what I thought it would be. Who should I contact?

A: Please contact Synchrony Bank Customer Service at 1-800-333-1076.

Q:I made a mistake when selecting my financing option. Who should I contact?

A: Please contact Synchrony Bank Customer Service at 1-800-333-1076.

Q: How do I close my account?

A: Please contact Synchrony Bank Customer Service at 1-800-333-1076.

Q:Is there an annual fee?****

A: ****There is no annual fee. For new accounts as of 7/16/24: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more.

Financing Terms

No Interest if Paid in Full Within 24 Months†

On purchases made with your Lovesac credit card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 24 months. Minimum monthly payments required.

†A Promo Fee does not apply to this offer. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 7/16/2024: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer any time.

No Interest if Paid in Full Within 12 or 18 Months†

On purchases made with your Lovesac credit card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 12 or 18 months. Minimum monthly payments required.

†A Promo Fee does not apply to this offer. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 7/16/2024: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer any time.

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