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LutherSales – What is it and How Does it Work?

LutherSales – What is it and How Does it Work?

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We’ve all been there – you need something now, like a new mattress or TV, or cell phone but don’t have the cash for it. Your options are to either wait or charge up your credit card, but not everyone wants to do that or can because they don’t have a credit card.

LutherSales gives you another option – buy now, pay later. Think of it like layaway EXCEPT you get your items now while you pay them off in installments. It’s like a cross between layaway and a credit card but with better terms.

LutherSales sells everything from appliances and furniture to electronics, jewelry, and high-end fashion and they deliver it right to your door. You even work with a personal shopper to pick out your items.

Here’s everything you must know about LutherSales.

How does LutherSales Work?

LutherSales is an online store with everything you might need, but that you can buy now, and pay later for so you aren’t waiting for your items or paying ridiculous interest rates. They aren’t new to the industry – they’ve been around for 5 decades, and they carry some of the top brands you’d want in your home including Kenmore, Ashley Furniture, Sony and more.

How to Sign up for LutherSales

To shop at Luther Sales, you must first apply for an account, providing your name, phone number and address. You’ll then provide information about your employment and income. This is how LutherSales determines your credit limit. The application is online and takes 3 minutes. If you’re approved, you’ll receive your spending limit and can start shopping. You’ll work with a personal shopper when you’re ready to ensure you get the right products and the right payment plan that you can afford.

LutherSales doesn’t use your credit score to qualify you for a credit line. They focus on your income and employment in an effort to help you build a credit score.

Does LutherSales Report to the Credit Bureaus?

The good news is LutherSales doesn’t check your credit to qualify you for an account. This is why they provide credit lines to people that otherwise wouldn’t be able to qualify. However, they do report your payment history to the credit bureaus. If you make your payments on time, it can help your credit score increase since your payment history is the largest part of your credit score.

If you’re credit score struggles either because of a bad credit history or you don’t have enough credit, LutherSales can be an inexpensive way to fix that. Because they don’t charge interest or fees (unless you miss a payment), it’s a great way to build credit without overpaying.

LutherSales Features

LutherSales offers many important features that can help you build a solid credit history and get the items you want.

No Interest Loans

You don’t have to worry about paying interest with LutherSales. Your payments only consist of the price of the product. For example, if an item cost $100 and you had a 5-month repayment plan, you’d pay $20 a month. You don’t pay interest ever, but they do charge a late fee if you miss a payment, so make sure you can make the payments on time.

No Down Payment Required

Unlike other buy now, pay later plans you don’t need a down payment. You’ll have the item shipped to you right away, but you won’t owe a payment until your first payment due date according to the payment plan created.

Automatic Payments

When you accept a LutherSales payment agreement, you agree to set up automatic payments. This means you don’t have to worry about missing any payments. The payments are automatically withdrawn from your account on the date specified for the duration of the loan.

Free Delivery

You get free delivery from LutherSales on all products, which includes their white glove delivery, providing you with top quality service.

Pros and Cons

It’s always important to look at the good and bad about a service, especially when it’s a financial product. Here are the pros and cons of LutherSales.


  • You’ll know right away if you’re approved
  • LutherSales doesn’t check your credit
  • There’s no interest or down payment
  • Transparent fees


  • You are required to set up automatic payments
  • If you miss a payment, you could pay as much as 25% in late fees
  • You need a solid work history to get approved

Is LutherSales Legit?

LutherSales has been around for decades, helping people with less than perfect credit get the products they need on payment arrangements they can afford. LutherSales is a totally legit way Buy Now, Pay Later Solution  for easy  financing with no credit check on electronics, furniture, computers, TVs, cell phones and more. Like any buy now, pay later plan, make sure you can comfortably afford the payments, so you don’t put yourself in over your head. Once you sign the agreement, you agree to make the payments for the duration of the loan.

is luthersales legit?

LutherSales Reviews

Since LutherSales doesn’t require a credit check, most people love the service because they can get the items they need on an installment plan, making them more affordable. Most people love the personal shopper feature and state that most of the representatives are great to work with. The Trustpilot reviews are overall excellent. 

Some people did say they have problems tracking their orders or that they weren’t given a promotional item they were promised, but overall, the reviews are good. 

Final Thoughts

If you’re looking for a way to buy items for around your house or for yourself and you don’t want to rack up credit card debt, consider LutherSales. You’ll shop your favorite brands, have them shipped to you for free, and can pay for them on an installment plan so that you don’t have to pay interest or worry about expensive fees.

Like any buy now, pay later plan or progressive leasing program, make sure you’re buying what you can afford to pay off on time. It’s easy to get caught up in the hype and buy something you can’t afford, but this is a great way to get what you need if you can avoid impulse buying.

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