Your Buy Now, Pay Later Solution


LutherSales is your buy now, pay later solution.

With LutherSales you can finally have products you want from the brands you trust. You can rebuild your credit with manageable payment plans affording you the luxury you deserve. Apply for a line of credit today and once approved you will have access to the latest electronics, home furnishings, top-quality appliances, jewelry, high-end fashion and so much more. Don't see something you like? Your LutherSales personal shopper will do their best to find it for you.

Bad credit, or no credit? No problem. Our specialty is giving you the opportunity to get the personalized service and financing you deserve when making major purchases in your life. It begins with a simple and straight-forward application process that upon approval, leads to a guided purchasing experience you will not find anywhere else.

Don't have enough credit available?

Prefer to make payments rather than exhaust funds for a major purchase?

Do you want to build credit or repair your credit score?

We can help. Applying to LutherSales means more than being able to get the latest iPhone, home furnishing or replacing a household appliance in a pinch; it is the opportunity to take personal strides toward a greater financial goal. Payments on purchases with LutherSales report directly to the credit bureau.

At LutherSales we understand that you are so much more than your credit score. We have been helping folks just like you since 1967 get the purchasing flexibility you deserve. Register your general and income-based information.

  1. Apply for an initial spending limit
  2. Get approved
  3. Make an appointment to get expert advice from your personal shopper, and make a purchase with convenient, manageable payments over time

First, we start with the basics and get to you know you. We ask for your contact basic information, i.e., your name and phone number to get you registered and started on our site.

Second, you continue through the application for credit which asks you much more detailed information regarding your employment status and income. We do this because our credit is based on you as an individual, not your credit score so we can determine your spending availability that over time is right for you.

When your application is approved, you will receive notification from our customer service team through text message and email, letting you know it's time to book an appointment with your personal shopper so you can start shopping.

If we determine you are not eligible to receive credit through LutherSales at this time, you can fill out an application for credit with our exclusive affiliate, American First Finance, and with their approval you will be able to shop LutherSales.
Not seeing your question answered? Get in touch with us.
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