Synchrony Financial logo
Logo-earth.jpg

Expand your purchasing power with Promotional Financing through Synchrony.

Synchrony is one of the nation’s premier consumer financial services companies. Our roots in consumer finance trace back to 1932, and today we are the largest provider of private label credit cards in the United States based on purchase volume and receivables.

• A simple application process, and fast credit decisions
• Unsecured, revolving credit lines1

• Promotional financing options2
• Convenient monthly payment options
• Online account management

1 Subject to credit approval. Proof of income may apply on loans over $25,000, depending on program.

2 Subject to credit approval. Minimum monthly payments required. See store for details. For all promotions: Qualifying purchase must be made with your Home Design credit card issued by Synchrony Bank and a $29 account activation fee will apply and be charged at the time first purchase posts to account. For new accounts: Purchase APR is 26.99%; Minimum Monthly Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.
 

Promotion Options

SynchronyBubble.png

Reduced APR Plans

Plan 800

Reduced 7.99% APR and fixed monthly payments equal to 1.25% of the promo purchase amount - Until Paid in Full1

On purchases with your Synchrony Bank credit card. $29 account activation fee may apply. Estimated payoff period 115 months. See promotional disclosures section for additional information.

Plan 801

Reduced 5.99% APR and fixed monthly payments equal to 2.00% of promo purchase amount – Until Paid in Full2

On purchases with your Synchrony Bank credit card. $29 account activation fee may apply. Estimated payoff period 58 months. See promotional disclosures section for additional information.

SynchronyBubble.png

Equal Payment No Monthly Interest Plan

Plan 802

No Monthly Interest for 25 Months and fixed monthly payments equal to 4.00% of promo purchase amount - Until Paid in Full3 

On purchases with your Synchrony Bank credit card. $29 account activation fee may apply.  See promotional disclosures section for additional information.

SynchronyBubble.png

Deferred Interest Plan

Plan 804

No Monthly Interest if Paid in Full Within 24 Months (Deferred Interest)4

On purchases with your Synchrony Bank credit card. Monthly interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 24 months. $29 account activation fee may apply. Fixed monthly payments are required equal to 2.50% of the highest balance applicable to this promo purchase until paid in full. See promotional disclosures section for additional information. 

Promotional Disclosures

1 Offer applies only to purchases made with your Synchrony Bank Credit Card. Monthly interest will be charged on promo purchases from the purchase date at a reduced 7.99% APR, and fixed monthly payments are required equal to 1.25% of initial promo purchase amount until promo is paid in full. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases. For new accounts: Purchase APR is 26.99%; Minimum Monthly Interest Charge is $2. Account Activation Fee is $29. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

2 Offer applies only to purchases made with your Synchrony Bank Credit Card. Monthly interest will be charged on promo purchases from the purchase date at a reduced 5.99% APR, and fixed monthly payments are required equal to 2.00% of initial promo purchase amount until promo is paid in full. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases. For new accounts: Purchase APR is 26.99%; Minimum Monthly Interest Charge is $2. Account Activation Fee is $29. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

3 Offer applies only to purchases made with your Synchrony Bank Credit Card. No monthly interest will be charged on promo purchase and fixed monthly payments are required equal to 4.00% of initial promo purchase amount until promo is paid in full. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases. For new accounts: Purchase APR is 26.99%; Minimum Monthly Interest Charge is $2. Account Activation Fee is $29. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

4 Offer applies only to purchases made with your Synchrony Bank Credit Card. No monthly interest will be charged on the promo purchase if you pay the promo purchase amount in full 24 Months. If you do not, monthly interest will be charged on the promo purchase from the purchase date. Fixed monthly payments are required equal to 2.50% of the highest balance applicable to this promo purchase until paid in full. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Depending on purchase amount, promotion length and payment allocation the required minimum monthly payments may or may not pay off purchase by end of promotional period. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases, except that the fixed monthly payment will continue to be required until the promo purchase is paid in full. For new accounts: Purchase APR is 26.99%; Minimum Monthly Interest Charge is $2. Account Activation Fee is $29. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.