Financing Options

Learn more about the ways to finance Total Comfort.



Financing with the Lovesac Credit Card

Get 12 Months Promotional Financing

On purchases made with your Lovesac Credit Card from 9/12/22 to 10/6/22. Subject to credit approval. Minimum monthly payments required. See showroom/website for details.

Lovesac Cardholder Benefits

  • No annual fee***
  • Receive special offers throughout the year
  • Convenient online account management & bill pay
  • Available in showrooms and online

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 12 Months***

On purchases made with your Lovesac credit card from 09/12/22 - 10/06/22. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 12 Months. Minimum Monthly Payments required. We reserve the right to cancel this promotion at any time.

***Offer applies only to single-receipt qualifying purchases. No interest will be charged on the promo purchase if you pay the promo purchase amount in full within 12 Months. If you do not, interest will be charged on the promo purchase from the purchase date. Depending on purchase amount, promotion length and payment allocation, the required minimum monthly payments may or may not pay off purchase by end of promotional period. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional balance. For new accounts: Purchase APR is 29.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer at any time.  

No Interest for 48 Months*** 
On purchases made with your Lovesac credit card from 9/6/22 - 9/11/22. 48 equal monthly payments required. 
***Qualifying purchase amount must be on one receipt. No interest will be charged and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the initial total promo purchase amount 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. Any monthly payments shown in connection with this promotional offer exclude taxes and delivery and should allow you to pay off the promotional purchase within the promo period if (1) you make your payments by the due date each month and (2) this is the only balance on your account during the promo period. If you have other balances on your account, this monthly payment will be added to the minimum payment applicable to those balances. Regular account terms apply to non-promo purchases. For new accounts: Purchase APR is 29.99%; Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. 


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

For example, a $700 purchase might cost $63.18/month over 12 months at 15% APR.
Your rate will be 0% APR or 10-30% APR based on credit, and is subject to an eligibility check. Payment options through Affirm are provided by these lending partners: Options depend on your purchase amount, and a down payment may be required.

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 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.


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


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


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

Need more details? Terms & Conditions
*Minimum of $350 purchase required. Must be first-time purchase. This program is only available to United States residents.