Finance Your Dreams Through The Power Of Choice
With more options than ever before, we’re confident we can get you approved 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 best 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.
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, purchases made with Lacks In-House Credit 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
Our dedicated credit team reviews and approves credit applications in-house for a fast response
Installment contracts are available from 6-36 months, you choose what's best suited for you
The Lacks Signature Card by Synchrony Financial Bank is our credit option available to those who prefer longer repayment terms. Much like a revolving credit card, the Lacks Signature Card by 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.