Lovesac Financing

Apply for a Lovesac Credit Card to get

our promotional financing upon approval.

Get 24 Months Promotional Financing†

On purchases made on your Lovesac credit card from 12/10 - 12/22/2024. Interest will be charged to your account from the purchase date if the promotional balance is not paind in full within 24 months. Minimum monthly payments required.

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 for 24 Months†

On purchases made with your Lovesac or Synchrony HOME credit card from 12/10 - 12/22/2024. Equal monthly payments required for 24 months. Promo fee of 2% of amount financed will be included in required monthly payments.

† Offer available online 12 AM PST on 12/10/2024 through 11:59 PM PST on 12/22/2024 and in all Lovesac showrooms 12/10 - 12/22/2024. A promo fee, equal to 2% of the amount financed at time of purchase, will be shown as a separate transaction on your billing statement and included in the balance subject to this promo. Any taxes, delivery or other charges included in the amount financed will increase the related promo fee and the required monthly payments. For example, a $950 purchase with $50 in taxes and shipping costs, will be charged a promo fee equal to $20 and $1,020 will be charged to your account. No interest will be charged on the amount financed (including related promo fee) and equal monthly payments are required on such balance until it is paid in full. The payments equal the amount financed (including related promo fee) divided by the number of months in the promo period, rounded up to the next cent. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts as of 7/16/2024: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.