Financing Options

Learn more about the ways to finance Total Comfort.

      

PAY IT YOUR WAY

Financing with the Lovesac Credit Card

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

****New Accounts as of 07/16/24: 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.  

For FAQs and additional information:

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 and authorization code ready at the time of purchase. For assistance, chat with us below or email us and we'll call you within 24 hours.

Lovesac Credit Card 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.

PAY IT YOUR WAY

Pay at Your Own Pace with  Affirm logo

When inspiration strikes, Affirm helps you say yes without giving up financial control. Select Affirm at checkout to pay over time - and never pay a penny more than you agree to on day one.

Choose 3, 6, or 12 monthly payments

Rates from 0-36% APR. Payment options through Affirm are subject to an eligibility check, may not be available everywhere, and are provided by these lending partners: affirm.com/lenders.  Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license. For licenses and disclosures, see affirm.com/licenses. For example, a $800 purchase might cost $72.21/mo over 12 months at 15% APR.

Buying with Affirm is simple

1. Fill your cart

Select Affirm at checkout, then enter a few pieces of info for a real-time decision.

2. Choose how you pay

Pick the monthly payment plan you like best. You'll never pay more than you agree to up front.

3. Pay over time

Make payments at affirm.com or in the Affirm app. You'll get email and text reminders.

Just select  at checkout

Buy with confidence

With Affirm, you always know eactly what you'll owe and when you'll be done paying.

Transparent

Affirm tells you up front the total amount you'll pay. That number will never go up.

Flexible

Affirm tells you up front the total amount you'll pay. That number will never go up.

Fair

Affirm won't charge you late fees or penalties of any kind, ever.

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