Get 24-Month Promotional Financing†
On purchases made on your Lovesac credit card.
Lovesac Cardholder Benefits
- 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, recent activity, & update your account information.
Frequently Asked Questions
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.
Financing Terms
†0.00% APR for 24 Months
On purchases with your Lovesac Credit Card. 24 equal monthly payments required.
†Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. No interest will be charged, and equal monthly payments are required on such balance until it is paid in full. The payments equal the amount financed divided by the number of months in the promo period, rounded up to the next whole dollar. 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 7/31/25: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
††No Interest if Paid in Full Within 6, 12, or 18 Months
On purchases 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 6, 12, or 18 months. Minimum monthly payments required.
†Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. Offer available online and in all Lovesac showrooms. 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 7/31/25: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.