Lovesac Financing

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.

Frequently Asked Questions

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

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

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.

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

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.

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

A: Please contact the Customer Love Team.

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

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

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.

^{†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 07/31/25: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer anytime.}

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.

^{††Offer available online and in all Lovesac showrooms. Qualifying purchase amount must be on one receipt. 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. We reserve the right to discontinue or alter the terms of this offer any time.​}