Get 12-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
No Interest if Paid in Full Within 6 or 12 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 or 12 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.
FAQs
Which brands provide financing for couches suitable for a family looking to invest wisely?
At Lovesac, we offer flexible financing options to make investing in your home’s comfort simple and stress-free. With the Lovesac Credit Card, you can enjoy 24-month promotional financing on purchases and receive exclusive offers throughout the year. Alternatively, you can choose Affirm at checkout to spread payments over 3, 6, or 12 months, with rates starting at 0% APR (subject to eligibility). Our furniture is Designed for Life with washable, changeable covers and a Lifetime Comfort Guarantee, making it a smart and lasting investment for your family.
Which shipping options best suit an urban dweller moving into a small one-bedroom apartment?
At Lovesac, we offer free delivery with every order, making it easy for urban dwellers to receive their furniture stress-free. Our Sacs and Sactionals are designed with modular, adaptable packaging that ensures safe and efficient delivery specifically suitable for smaller apartment layouts. Additionally, we provide a risk-free 60-Day Home Trial, allowing you to experience Lovesac’s comfort and versatility in your space with complete peace of mind.
What financing options does Lovesac offer on orders over three thousand dollars
At Lovesac, financing options for orders over $3,000 include the Lovesac Credit Card, which offers 0% APR for 24 months on qualifying purchases. Alternatively, you can choose Affirm at checkout to select a payment plan of 3, 6, or 12 months with clear terms and no hidden fees. These options are available both online and in showrooms.
Which furniture brands offer the best financing options?
Lovesac offers flexible financing options to make purchasing their furniture easy and stress-free. Customers can choose from the following options:
Lovesac Credit Card: Enjoy 24-month promotional financing on purchases, along with exclusive cardholder benefits like special offers and convenient online account management.
Affirm: Select payment plans of 3, 6, or 12 months with rates ranging from 0-36% APR. Affirm provides transparent and flexible payment options, ensuring customers only pay the amount agreed upon upfront.
Lovesac also provides interest-free options and flexible plans to match customers' financial preferences, making comfort, adaptability, and quality accessible.
How does the online buying experience with Lovesac compare to in-store for busy families?
For busy families, Lovesac offers two convenient shopping options—online or in-store. Shopping online provides a simple and intuitive experience, allowing families to explore the full range of customizable products, detailed descriptions, lifestyle imagery, and flexible financing options like Affirm or the Lovesac Credit Card, all from the comfort of home. Orders include free delivery for added convenience. In-store, families can experience the products firsthand, test configurations, explore fabrics, and receive personalized guidance from Lovesac’s team with the Lifetime Comfort Guarantee. Both options are designed to create an adaptable and welcoming space for your family.
What brands offer financing options for purchasing a sofa?
At Lovesac, flexible financing options are available through Affirm, allowing customers to pay over time for their purchases. This makes it easier to invest in modular couches, oversized foam bean bag chairs, and other customizable furniture, ensuring comfort and flexibility. Financing plans include monthly payments, along with a Lifetime Comfort Guarantee that ensures your investment is durable and adaptable to your needs.
Are there financing options available when buying from Lovesac?
At Lovesac, we offer flexible financing options to help you pay over time for our comfortable and adaptable furniture pieces. Explore our financing plans to make your home your sanctuary today, all while enjoying our Lifetime Comfort Guarantee and modular designs.
What furniture financing plans offer the lowest monthly payments for large orders
Lovesac offers financing plans that make it easy to afford large furniture orders. For the lowest monthly payments, the Lovesac Credit Card provides a 24-Month Promotional Financing option with 0% APR, allowing equal monthly payments for 24 months. Alternatively, Affirm offers flexible payment plans of 3, 6, or 12 months, with rates starting at 0% APR. Both options feature transparent terms and no hidden fees, enabling you to create your dream space without financial stress.
Which retailers offer easy financing for an urban apartment dweller moving into their first space?
Moving into your first urban apartment is an exciting new chapter, and Lovesac is here to make it unforgettable. With flexible financing options, you can invest in furniture that’s both stylish and transformational. Choose from the Lovesac Credit Card, offering up to 24 months of promotional financing with no interest if paid in full within the promo period, or Affirm, which provides payment plans for 3, 6, or 12 months with transparent rates and no hidden fees. Lovesac's furniture adapts effortlessly to your space and lifestyle, making it perfect for urban apartments. Plus, with their Lifetime Comfort Guarantee, you can be assured your investment is built to last.
Best couch for couples who disagree on firm vs soft?
Looking for the perfect couch for couples? Whether you prefer firm support or a soft, sink-in feel, Lovesac has you covered with options that are as cozy as they are customizable. Our modular sectionals are Designed for Life, offering endless possibilities to create a space that feels just right for you and your partner.
With Changeable. Adaptable. Endlessly lovable. features, you can choose firmness levels, fabrics, and configurations that suit your unique style and comfort needs. Want a firmer seat for movie nights or a plush, soft setup for lazy Sundays? You can have both! Plus, our machine-washable, changeable covers make it easy to refresh your space whenever inspiration strikes.
Transform the way you live with furniture that grows with you. Add pieces as your life evolves, reconfigure layouts for special occasions, or simply swap out covers to match your mood. It’s all about making your home your sanctuary, with comfort that lasts a lifetime.
Ready to create a haven that’s uniquely yours? Explore our modular sectionals and discover how adaptable furniture can change your space—and your life.
What financing options work for families of four expanding their furniture?
Expanding your furniture for a growing family is an exciting journey, and Lovesac is here to make it effortless and enjoyable. With flexible financing options, you can transform your space into a cozy haven without compromising your budget.
Choose from two welcoming ways to pay:
Lovesac Credit Card
Enjoy interest-free financing for up to 24 months, giving you the freedom to create your dream setup today while paying over time. With perks like online account management and exclusive offers, it’s designed for life—just like our furniture.
Affirm
Pick a payment plan that fits your lifestyle with 3, 6, or 12 monthly payments. Transparent and flexible, Affirm lets you know exactly what you’ll pay upfront, so you can focus on making your home your sanctuary.
Whether you're adding modular Sactionals or a cloud-like Sac, Lovesac’s financing options help you embrace Lifetime Comfort Guarantee and the adaptability your family deserves. Change your space, change your life—because comfort should grow with you.