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Lovesac Financing

  • Apply for a Lovesac Credit Card to access promotional financing offers upon approval.
  • Cardholders benefit from special offers, easy online account management, and availability both online and in showrooms.
  • 0.00% APR for 24 months is offered with equal payments required, subject to terms and approval.
  • No interest charged if paid in full within 6, 12, or 18 months, subject to qualifying conditions.
  • Frequently asked questions address applying, account management, security, and contacting Synchrony Bank for support.

Apply for a Lovesac Credit Card to access promotional financing upon approval. Enjoy cardholder benefits like special offers year-round, easy online account management, and availability both online and in showrooms. Get approved quickly by applying online or in a showroom with instant decision. Need help? Connect through chat, email, or by phone. 0.00% APR for 24 months is available on qualifying purchases with equal payments, or choose no interest if paid in full within 6, 12, or 18 months—subject to credit approval and qualifying amounts. Manage your account online and get answers to common questions.

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

  • 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.

CONTACT US

Manage Your Account

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

MY ACCOUNT

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.

Financing Terms

††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.