Special Financing

EASY CREDIT. MORE OPTIONS.

Looking for financing options for your next furniture purchase? Lacks has you covered. We offer a variety of financing programs tailored to your needs, regardless of your credit history. With flexible repayment terms and a hassle-free application process, we make it easy for you to get the furniture you need to make your home complete.

To get started, simply fill out our secure credit application. Our credit department will evaluate your options and suggest a program that fits your needs. Once you've selected the program that works for you, all that's left to do is visit your nearest Lacks store and choose the perfect furniture pieces for your home.

9.99% APR for 72 Months*
On purchases made with the Lack’s Furniture Synchrony HOME Credit Card. Fixed monthly payments required for 72 months.

* On purchases of $500 or more made with your Lacks Furniture Synchrony HOME Credit card. Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. Interest will be charged on the promo purchase from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required until paid in full. These payments are equal to 1.8521% of initial total promo purchase amount, 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. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. For New Accounts: As of 07/31/2025, Purchase APR is 34.99%. Penalty APR is 39.99%. Minimum Interest Charge is $2. 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 anytime.

0% APR for 48 Months**

** On in-store purchases of $4200 or more made with your Lacks Furniture Synchrony HOME Credit card. Minimum purchase and down payment, plus tax and delivery fee required. Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. 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. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. For New Accounts: As of 07/31/2025, Purchase APR is 34.99%. Penalty APR is 39.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.