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 and ID both must be present when making any purchases in store.

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.

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 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. 

For your convenience, you can also apply for LSF Credit Card online by visiting 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.

Payments can be made directly on the Synchrony Bank website, via the Synchrony app, or over the phone by calling Synchrony Bank at 866-396-8254.

Concora credit may be offered in-store if you get declined by Synchrony.

You can make a purchase with Concora Credit online or in-store

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.)

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 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. 

Payments can be made directly on the Concora Credit website or by mail at the address shown your statement.

If you're not approved for Synchrony or Concora Credit, you can apply for Progressive Leasing in store. Please do not apply online. Our systems cannot process an external application.

If you applied online & were approved, you still must apply again in store.

You must provide 2 forms of ID, your bank account number, routing number and valid email address.

Initial payment must be paid by credit card at the time of purchase. Cash is not accepted.

Delivery fee must be paid up front out of pocket and cannot be leased.
Care Free Plan may not be purchased with Progressive.

Special orders and backorder/”on-order” items are not eligible for Progressive Leasing.

You have to take possession of your items within 60 days, all at the same time, and all in the same manner (either ALL delivery or ALL pick up)

Full terms & conditions are available to print once you complete the transaction.

Payments will be automatically taken from your bank account or credit card on file on the same day that you’re paid (weekly, bi-weekly, monthly, etc.)

• You can call Progressive to modify your payment schedule.

If you take advantage of the 90 day purchase option you will pay less than making minimum payments for the year. 90-Day Purchase Option: Standard agreement offers 12 months to ownership. 90-day purchase options cost more than the retailer's cash price (except 3-month option in CA). To purchase early call 877-898-1970.

The standard lease-to-own agreement offers 12 months to ownership and could cost more than double the cash price.

Take advantage of an early purchase option to pay less than the full 12 months. Early Purchase Options: Standard agreement offers 12 months to ownership. Early purchase options cost more than the retailer's case price (except 3-month option in CA). To purchase early call 877-898-1970.