Living Spaces Furniture Financing FAQs
What Is Living Spaces Furniture Financing?
With the Living Spaces Credit Card, you can make purchases in-store and online, as well as choose the payment plan (including couch payment plans) that works the best for you.
Searching for furniture stores that do layway can feel like a neverending puzzle. For the best furniture financing, Living Spaces stores offer easy tools and support for making purchases.
Why Should I Finance My Furniture Purchases?
Here are just a few of the benefits of easy furniture financing and financing your purchases with the Living Spaces Credit Card:
- Big purchases become more manageable
- Dedicated line of credit for future furniture purchases
- Easy way to build credit
- Convenient purchasing method for both online and in-store shopping
What Are My Financing Options?
The Living Spaces Credit Card lets you choose from special financing offers, which will vary based on the current promotional period. Visit https://www.livingspaces.com/company/financing for details.
How Can I Apply for the Living Spaces Credit Card and Furniture Financing?
To start applying for the Living Spaces Credit Card and furniture financing, visit the Living Spaces Credit Card application page.
Once your application is approved, you will receive your physical card in approximately 7-10 days. If it is a joint application, both parties will receive their physical card.
Your card & ID both must be present when making any purchases in store.
Can I Use Two Different Credit Cards?
While we currently can only accept one credit card per purchase online, all Living Spaces locations are able to accept split payments.
Synchrony Financing Terms
Financing terms will depend on what promotions are being offered at time of purchase and the subtotal of your sales order (pre-tax).
- Each order has its own financing terms. It cannot be combined with previous order or future order.
- For example, if the minimum is $3000, your order total must be $3000 or over. You cannot have one order for $2000 & later place another order for $1000.
- Financing terms cannot be changed after the order is placed.
Pending Authorization for Synchrony
Your Synchrony account will show an initial authorization made at the time of purchase. This is a pending authorization, and will not post to your account. Once all items from the order have been billed, the pending authorization will fall off.
Synchrony Billing Information
Synchrony bills for item(s) as they come into your possession.
- If you receive your order in multiple parts (take-with, pickup, delivery, etc.) you will be billed in multiple parts.
- For example, if you take one item with you at the time of purchase & the remaining items are delivered the next day, you will see two charges on your account that total the amount of the order.
Your first bill will come in approximately 30 days after the receipt of your first item(s).
You may see on your statement the transaction(s) listed as La Mirada, CA which is our corporate headquarters.
Additional information to consider
If your order is being delivered through our partner, XPO, you will be billed in full at the time of purchase, as the item ships immediately.
- XPO is our delivery partner who services areas outside of our regular delivery area. Regular delivery area is subject to change.
The delivery address cannot be changed after the order is placed.
Applying for Synchrony Financing Online
For your convenience, you can also apply for LSF Credit Card online by visiting https://www.livingspaces.com/company/financing
Once approved, please print and present the approved letter to one of our sales representatives when you are ready to shop with us before receiving the physical LSF Credit Card. Please note that you will be required to fill out a paper application in store if you have applied online and do not have your card or printed approval form.
If you wish to complete the order online, simply save your credit card number once approved. If you do not save the number when approved, you can contact Synchrony bank to obtain your account number.
Living Spaces may have other financing or leasing options available. Please visit any store for details.
How Can I Make a Synchrony Payment?
Payments can be made directly on the Synchrony Bank account management site, via the Synchrony app, or over the phone by calling Synchrony Bank at 866-396-8254.
Can I Make a Credit Card Payment Online?
With Living Spaces’ furniture financing, it is easy to make a payment toward your credit card online. You can pay by visiting the Living Spaces Credit Card management site or calling Synchrony Bank (Living Spaces’ financial partner) at 866-396-8254.
What Is Concora Credit?
Concora Credit may be offered in-store if you get declined by Synchrony.
Need Further Assistance with Living Spaces Furniture Financing?
Financing your furniture does not have to be difficult – in fact, we believe buying furniture should simple and fun. If you have further questions about how to make the most out of furniture financing, don’t hesitate to call (877) 266-7300 to speak to a Guest Services representative who can help you figure out the best financing options for you; for online assistance, visit the Living Spaces Support Center.
How Can I Make a Purchase With Concora Credit?
You can make a purchase with Concora Credit online or in-store.
What Are the Concora Credit Terms?
The financing terms will be determined by Concora Credit at the time of application. If balance is not paid in full before or by the end of the financing period, interest will be accrued and billed beginning from day 1 (delivery date).
Pending Authorization for Concora Credit
Your Concora Credit account will show an initial authorization made at the time of purchase. This is a pending authorization, and will not post to your account. Once all items from the order have been billed, the pending authorization will fall off.
Concora Credit Billing
Concora Credit bills for items as they come into your possession.
- If you receive your order in multiple parts (take-with, pickup, delivery, etc.) you will be billed in multiple parts.
- For example, if you take one item with you at the time of purchase & the remaining items are delivered the next day, you will see two charges on your account that total the amount of the order.
Your first bill will come in approximately 30 days after the receipt of your first item(s).
Additional information to consider
If your order is being delivered through our partner, XPO, you will be billed in full at the time of purchase, as the item ships immediately.
- XPO is our delivery partner who services areas outside of our regular delivery area. Regular delivery area is subject to change.
The delivery address cannot be changed after the order is placed.
How Can I Make a Concora Credit Payment?
Payments can be made directly on the Concora Credit website or by mail at the address shown your statement.
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Furniture Financing: Your Guide
Common Questions About Furniture Financing
What are the best ways to finance a furniture purchase if my credit isn't perfect?
Don't let less-than-perfect credit deter you from furnishing your home! Many retailers, including Living Spaces, offer flexible financing options designed to help a wide range of customers. Look for programs that consider factors beyond just your credit score, such as flexible payment plans or options that allow for a co-signer, making it easier to get approved for the furniture you need.
How can I compare different furniture financing plans to ensure I'm getting a good deal?
When comparing financing plans, always look beyond the advertised monthly payment. Pay close attention to the Annual Percentage Rate (APR), any potential fees, and the total cost of the furniture over the life of the loan. Understanding these details will help you make an informed decision and avoid costly surprises down the line.
Is it better to use a store credit card or a personal loan for a large furniture purchase?
Store credit cards often come with introductory promotional offers, like 0% APR for a period, which can be beneficial if you can pay off the balance within that timeframe. However, if you anticipate needing more time, a personal loan might offer a more predictable interest rate over the entire repayment period. Always weigh the pros and cons based on your spending habits and repayment ability.
What are the benefits of financing furniture through a retailer like Living Spaces versus a general bank loan?
Financing directly through a furniture retailer often streamlines the process, allowing you to complete your purchase and financing in one go. Retailers like Living Spaces may also offer special promotions or exclusive financing deals tied to their products, which can sometimes translate into better savings or more convenient payment terms than a standard bank loan.
Are there any hidden costs or long-term implications I should be aware of with furniture financing?
Be mindful of potential late fees, increased interest rates if payments are missed, and the impact on your credit score if you overextend yourself. Carefully review the terms and conditions before signing, and ensure the monthly payments fit comfortably within your budget to avoid long-term financial strain.