La-Z-Boy Furniture Galleries Credit Card: Everything You Need to Know

The La-Z-Boy Furniture Galleries Credit Card, offered through Synchrony Bank, provides customers with flexible financing options for furniture purchases. Whether furnishing a new home or upgrading your current space, this card offers promotional financing deals to make it more affordable. Here’s everything you need to know:

Key Features

Promotional Financing Options

1. No Interest for 12 Months: Enjoy 0% interest on qualifying purchases when equal monthly payments are made during the promotional period. This offer is ideal for large furniture purchases you want to pay off gradually without incurring interest charges.
   • Minimum Purchase Requirement: A minimum purchase amount may apply.
   • Down Payment: Up to a 50% down payment for in-store purchases might be required.
2. Standard APR: After the promotional period ends, the card has a standard annual percentage rate (APR) of 29.99% with a $2 minimum interest charge. New accounts may have a higher introductory APR of up to 34.99%.

Usage and Restrictions

• Where It Can Be Used: The La-Z-Boy credit card is exclusively accepted at La-Z-Boy Furniture Galleries stores and on their website.
• Revolving Credit: Offers a revolving credit limit, allowing you to make repeat purchases up to your approved limit.
• No Expiration: The card remains active for ongoing use as long as your account is in good standing.

How to Apply

Applying for the La-Z-Boy Furniture Galleries Credit Card is straightforward:

• Online Application: Visit the La-Z-Boy website to complete a quick and secure application.
• In-Store Application: Apply at any participating La-Z-Boy store.
• Approval Process: Approval is subject to credit evaluation. Store credit cards typically have less stringent requirements than traditional credit cards, making this a more accessible option for many consumers.

Account Management

Cardholders have access to Synchrony’s online portal to:

• View account balances.
• Make payments or schedule up to 12 future payments.
• Update personal information.

Exclusive Benefits

By becoming a cardholder, you can access special financing promotions and exclusive deals, making it easier to furnish your home with high-quality La-Z-Boy furniture. This card’s features are designed to enhance your shopping experience while providing financial flexibility.

Pros and Cons

Advantages

• 12-month no-interest promotional financing.
• Easy application process with options for online or in-store.
• Exclusive access to special promotions and offers.
• Revolving credit for ongoing use.

Drawbacks

• High standard APR of 29.99%.
• Limited usage exclusively within La-Z-Boy stores.
• Up to 50% down payment required for in-store financing offers.

Tips for Cardholders

To make the most of your La-Z-Boy credit card:

1. Pay Off Balances During Promotions: Ensure you pay off the balance within the 12-month promotional period to avoid high interest charges.
2. Track Purchases and Payments: Use Synchrony’s online portal to monitor your account and avoid late payments.
3. Leverage Exclusive Offers: Take advantage of special cardholder deals to maximize your savings.

Is the La-Z-Boy Credit Card Right for You?

The La-Z-Boy Furniture Galleries Credit Card is an excellent option if you’re planning a significant furniture purchase and can commit to paying off the balance within the promotional period. However, being mindful of the high APR for balances carried beyond that period is essential.