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Special Financing


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.

Apply Now »

Synchrony Financial & TD Bank

We proudly offer Synchrony Financial Bank and TD Bank as a financing option at Lacks!

Much like a revolving credit card, Synchrony and TD Bank has a credit limit set by a third-party lender that you can use whenever you choose. This is a perfect option for those who prefer smaller monthly payments over long-term financing. Bring home the pieces you want and enjoy flexible payment plans that fit your budget.

Visit your Lacks store for additional details.

  • Revolving Line of Credit

    Revolving Line of Credit

  • No Reapply

    No Need to Reapply on New Purchases

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 home a reality.

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

  • In-House Approvals

    In‑House Approvals

    Our dedicated credit team reviews and approves credit applications in-house for a fast response.
  • Installment Contracts

    Installment Contracts

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

    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
    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 »