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Welcome to our website! As we have the ability to list over one million items on our website (our selection changes all of the time), it is not feasible for a company our size to record and playback the descriptions on every item on our website. However, if you have a disability we are here to help you. Please call our disability services phone line at (716) 775-7077 during regular business hours and one of our kind and friendly personal shoppers will help you navigate through our website, help conduct advanced searches, help you choose the item you are looking for with the specifications you are seeking, read you the specifications of any item and consult with you about the products themselves. There is no charge for the help of this personal shopper for anyone with a disability. Finally, your personal shopper will explain our Privacy Policy and Terms of Service, and help you place an order if you so desire.

Get what you really want today with an easy way to pay! Get what you really want today with an easy way to pay!

Earn a $100 Visa® Prepaid Card by Mail*

Open and use a new Synchrony® card on a qualifying purchase and submit a rebate form now Through 03/14/21.

Why should I apply for an Lake Effect Furniture and Mattress credit card?

  • A dedicated credit limit to use again and again at Lake Effect Furniture and Mattress
  • Convenient monthly payments
  • Payment options: online or by mail
  • Use your card for future purchases of products we offer**
  • No expiration date
  • Cardholder-only special offers

Manage Your Account

Make payments, view your balance, update account info, and schedule up to your next 12 payments.

Manage Account ►

Special Financing Available*

Explore Qualifying Products of $1,999 or more
Choose Your Furniture Below
Living Room
Bedroom
Dining Room

Shop Living Room

ALBANY INDUSTRIES Featured Product

Model #: 87842PCGENS34492

2 PC Sectional

Item Details
KLAUSSNER Featured Product

Model #: K56830FABSECT

Findley Sectional

Item Details
KLAUSSNER Featured Product

Model #: K18400SECT

Haynes Sectional

Item Details
Woodhouse Featured Product

Model #: 172MASONWITHCHAISE

Sofa with floating Chaise

Item Details
Woodhouse Featured Product

Model #: 262CARHEMLS

Linden Loveseat

Item Details
Woodhouse Featured Product

Model #: 311HARNATS

Weston Sofa

Item Details
Woodhouse Featured Product

Model #: 745HANSLA

MERRICK SECTIONAL

Item Details
ALBANY INDUSTRIES Featured Product

Model #: 03742PC35299

2PC Sectional

Item Details
ALBANY INDUSTRIES Featured Product

Model #: 86422PCGENS35249

2Pc sectional

Item Details

Shop Bedroom

ASHLEY FURNITURE Featured Product

Model #: B129B4

Anarasia Queen Sleigh Bed

Item Details
ASHLEY FURNITURE Featured Product

Model #: B221B4

Baystorm Queen Panel Bed With 6 Storage Drawers

Item Details
ASHLEY FURNITURE Featured Product

Model #: B271B3

Shay Queen Poster Bed

Item Details
ASHLEY FURNITURE Featured Product

Model #: B446B10

Trinell Full Panel Bed With 2 Storage Drawers

Item Details
ASHLEY FURNITURE Featured Product

Model #: B650B12

Coralayne California King Panel Bed

Item Details
ASHLEY FURNITURE Featured Product

Model #: B672B15

Prentice Queen Sleigh Bed With 2 Storage Drawers

Item Details
ASHLEY FURNITURE Featured Product

Model #: B719B9

Flynnter King Sleigh Bed With 2 Storage Drawers

Item Details
ASHLEY FURNITURE Featured Product

Model #: B775B6

Sommerford King Panel Bed With Storage

Item Details
ASHLEY FURNITURE Featured Product

Model #: B12963

Anarasia Twin Sleigh Headboard

Item Details

Shop Dining Room

ASHLEY FURNITURE Featured Product

Model #: D436D4

Leahlyn Dining Room Table

Item Details
ASHLEY FURNITURE Featured Product

Model #: D199D18

4-piece Dining Room Package

Item Details
ASHLEY FURNITURE Featured Product

Model #: D293D4

3-piece Dining Room Package

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ASHLEY FURNITURE Featured Product

Model #: D310D2

3-piece Dining Room Package

Item Details
ASHLEY FURNITURE Featured Product

Model #: D328D18

5-piece Dining Room Package

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ASHLEY FURNITURE Featured Product

Model #: D328D19

7-piece Dining Room Package

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ASHLEY FURNITURE Featured Product

Model #: D328D6

6-piece Dining Room Package

Item Details
ASHLEY FURNITURE Featured Product

Model #: D335D3

5-piece Dining Room Package

Item Details
ASHLEY FURNITURE Featured Product

Model #: D335D4

3-piece Dining Room Package

Item Details
Choose Your Bedding Below
Mattresses
Adjustable Bases

Shop Mattresses

CORSICANA Featured Product

Model #: 85851050

Renue Performance 15" Invigorate Firm Tight Top Mattress, Queen

Item Details
CORSICANA Featured Product

Model #: 85901050

Renue Performance 15.5" Invigorate Plush Tight Top Mattress, Queen

Item Details
CORSICANA Featured Product

Model #: 85951050

Renue Performance 15.5" Invigorate Plush Pillow Top Mattress, Queen

Item Details
RESTONIC Featured Product

Model #: 5000011QUEEN

Balcony - Biltmore - Extra Firm - Queen Set

Item Details
RESTONIC Featured Product

Model #: 5000012QUEEN

Balcony - Biltmore - Plush - Queen Set

Item Details
RESTONIC Featured Product

Model #: 5000014QUEEN

Balcony - Biltmore - Euro Top - Queen Set

Item Details
ASHLEY FURNITURE Featured Product

Model #: M62131QUEEN

Queen Mattress-Allen Firm

Item Details
ASHLEY FURNITURE Featured Product

Model #: M62231QUEEN

Queen Mattress-Allen Plush

Item Details
ASHLEY FURNITURE Featured Product

Model #: M62341KING

King Mattress-Allen Euro Top

Item Details

Shop Adjustable Bases

ASHLEY FURNITURE Featured Product

Model #: M8X132

Queen Adjustable Base Adjustable Head

Item Details
ASHLEY FURNITURE Featured Product

Model #: M9X732

Queen Adjustable Base

Item Details
ASHLEY FURNITURE Featured Product

Model #: M9X832

Queen Adjustable Base

Item Details
ASHLEY FURNITURE Featured Product

Model #: M9X932

Queen Adjustable Base

Item Details
Malouf Featured Product

Model #: MA4633BF

Malouf Twin/Full Adjustable Bed Frame

Item Details
Malouf Featured Product

Model #: MA4633GL

Malouf Twin/Full Adjustable Bed Frame

Item Details
Malouf Featured Product

Model #: MA5033BF

Malouf Queen/Full/Twin Adjustable Bed Frame

Item Details
Malouf Featured Product

Model #: MA5033GL

Malouf Queen/Full/Twin Adjustable Bed Frame

Item Details
Malouf Featured Product

Model #: MA6633BF

Malouf Universal Bed Frame

Item Details

Frequently Asked Questions

What is the Lake Effect Furniture and Mattress Credit Card?+

Lake Effect Furniture and Mattress offers customers a credit card through Synchrony Bank with a revolving credit limit to use again and again at Lake Effect Furniture and Mattress locations.**

How do I get the Lake Effect Furniture and Mattress Credit Card?+

You can apply for a Lake Effect Furniture and Mattress Credit card at any of our convenient locations. Click here to find our locations.

Where do I check the status of my account?+

To check the status of your Lake Effect Furniture and Mattress Credit Card click on the Manage my Account link above to go to Synchrony's website. After logging into your account, you will be able to:

How can I make a payment to my Lake Effect Furniture and Mattress Credit Card?+

Lake Effect Furniture and Mattress offers three convenient ways to pay your Lake Effect Furniture and Mattress Credit Card bill.

Pay Online: Click here to manage your account and make payments online.

Pay by Phone: Contact Synchrony Bank Customer Service at 1-866-396-8254 during the hours listed below to make a payment by phone

Monday - Friday: 7:30AM to 12:00 Midnight EST
Saturday: 10:00 AM to 7:00 PM EST
Sunday: Closed

Pay by Mail: Mail payments to the address below. Ensure that you have plenty of time for your payment to arrive prior to the due date.

Synchrony Bank
PO Box 960061
Orlando, FL 32896-0061

*Subject to credit approval. Rebate in the form of a Synchrony Visa Prepaid Card. To be eligible to receive a rebate under this offer you must: (1) open a new eligible credit card account issued by Synchrony Bank ("the Card") at this location and use this new account to make a single-receipt purchase totaling $1,999 or more (after applicable discounts) from 2/10 - 3/14/21; and (2) complete and submit a rebate form, together with a copy of the original receipt, online or by mail, postmarked by 4/13/21. See rebate form for details. One rebate per new account valid at participating U.S. locations. See store for details. The Visa Prepaid Card will be sent to your address within 6 to 8 weeks after receipt of the completed rebate form. If the Visa Prepaid Card is not received after 8 weeks, you should call (833) 334-4676 or visit syfrebatepromotion.com to inquire about status. If the Visa Prepaid Card is not received, you must inquire no later than 6/28/21 or all rights hereunder will expire. Card is issued by MetaBank®, Member FDIC, pursuant to a license from Visa U.S.A. Inc. No cash access or recurring payments. Can be used everywhere Visa debit cards are accepted. Card valid for up to 6 months; unused funds will forfeit after the valid thru date. Card terms and conditions apply. Credit is extended by Synchrony Bank.