Financing

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New Flexible Financing Options

The Details

No Interest if paid in full within 6 months (with regular monthly payments)

Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.*

* No interest will be charged on the promo purchase if you pay the promo purchase amount in full within 6 months. If you do not, interest will be assessed on the promo purchase from the purchase date. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional balance. For new accounts: Purchase APR is 29.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

No Interest if paid in full within 12 months (with regular monthly payments)

Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.*

* No interest will be charged on the promo purchase if you pay the promo purchase amount in full within 12 months. If you do not, interest will be assessed on the promo purchase from the purchase date. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional balance. For new accounts: Purchase APR is 29.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

24 Monthly Payments at 9.99% APR*

* Interest will be charged on promo purchases from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required equal to 4.61% of initial promo purchase amount until promo is paid in full. The fixed monthly payment 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 9.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

36 Monthly Payments at 9.99% APR*

* Interest will be charged on promo purchases from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required equal to 3.23% of initial promo purchase amount until promo is paid in full. The fixed monthly payment 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 9.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

48 Monthly Payments at 9.99% APR*

* Interest will be charged on promo purchases from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required equal to 2.54% of initial promo purchase amount until promo is paid in full. The fixed monthly payment 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 9.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

60 Monthly Payments at 9.99% APR*

* Interest will be charged on promo purchases from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required equal to 2.12% of initial promo purchase amount until promo is paid in full. The fixed monthly payment 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 9.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

Frequently Asked Questions

  • What is the maximum credit line I can receive?

    Qualifying customers will receive an instant approval for up to $20,000 through the Bailey’s program. Should you need more: a Synchrony Financial Analyst will need to review your request. Additional documentation will be required such as 2 year tax returns and proof of income will be required. Processing can take up to 2 business days.

  • Do you offer financing to International customers?

    No. Financing is available to US customers only.

  • How do I increase my line of credit?

    To be considered for a higher line of credit contact Synchrony Financial Customer Service at 866-419-4096. A representative will review your account and determine if all guidelines have been met for your increased credit limit. You will also need to provide a fax number for the documentation.

  • What happens if I pay past the due date?

    Your account is subject to a late payment fee of $25 (if you have paid your total minimum payment due by the due date in each of the prior six biling cycles) or $35 (if you have failed to pay your total minimum payment due by the due date in any one or more of the prior six billing cycles).

  • Is it possible to make payments online?

    Yes. You can make a payment free of charge at the Synchrony Financial website at www.synchronyfinancial.com.

  • Is it possible to make a payment with another credit card?

    No. Payments can only be made with a checking account, savings account, or debit card.

  • If I have questions regarding my purchase, who do I contact?

    If you have questions or concerns regarding your purchase, call 866-725-3111. All other inquiries regarding payments should be directed to Synchrony Financial at 866-419-4096