Finance Your Dreams Through The Power Of Choice


There are more options than ever before to finance your next Lacks purchase. We’ll match you with a program that suits your needs whether you have excellent credit, bad credit or no credit. Our programs feature a wide range of repayment terms.  Simply fill out our secure credit application here and our credit department will suggest the options available to you after careful evaluation. You choose what works for you! All that’ll be left to do is stop by your nearest Lacks store and pick out exactly what you need to make your house your home.


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Lacks In-House Credit

Lacks extends in-house installment credit to customers who qualify. Not only can our installment contracts go up to 36 months, but purchases made with Lacks In-House Credit may also qualify for promotional pricing**! Our dedicated credit team reviews and approves applications to help you make your dream house into a dream home. 



**subject to promotional discount offer and credit approval by Lacks.

Your purchase qualifies for current advertised discounts and promotional pricing when you use your Lacks In-House Credit account

*No interest terms are available for those who qualify during promotional periods. See our FAQ section for more information.

Our dedicated credit team reviews and approves credit applications in-house for a fast response

Depending on your eligibility, installment contracts are available from 6-36 months. See our FAQ section for more information.

*Maximum contract interest of 24% APR (which may vary) is credited to 0% if all payments are made on time. $1499 financed over 36 months with 24% APR would have 36 monthly payments of $58.81.


Synchrony Financial

Synchrony Financial Bank is our credit option available to those who prefer longer repayment terms. Much like a revolving credit card, Synchrony Bank has a credit limit set by a third-party lender that you can use whenever you choose.  Visit your local Lacks store for additional details. 


*Subject to promotional offer and credit approval by Synchrony Financial Bank.

Revolving Line of Credit

10% Down on New Purchases

No Need to Reapply on New Purchases


If you’ve made mistakes that damaged your credit in the past we have Lease-to-Own programs to help you. See Store for Details.

Build My Credit

Needing credit when you have little or no credit is a difficult situation to be in, luckily we offer a Build-My-Credit program. See Store for Details.