Betterbuy | Synchrony Finance
Synchrony Financing
$0 down - No annual fee
50 points
Reward points on qualifying purchases
Financing details
Get the credit you deserve with Synchrony financing options. Low monthly payments and flexible terms on qualifying purchases.
Frequently asked questions
How do I apply for Synchrony financing?
You can apply for Synchrony financing in-store during checkout or online through our secure application process. Approval decisions are typically made within minutes.
What are the minimum purchase requirements?
Financing options vary based on purchase amount. Typically, promotional financing requires minimum purchases starting at $299 for 6-month plans and higher minimums for longer-term plans.
How are monthly payments calculated?
Monthly payments are calculated based on the purchase amount, financing term, and applicable interest rate. For promotional 0% interest offers, the purchase amount is divided by the number of months in the promotional period.
What happens if I don't pay in full during the promotional period?
If the promotional balance is not paid in full by the end of the promotional period, interest will be charged from the purchase date at the standard APR for your account.
Contact us about financing options
**Qualifying purchase amount must be on one receipt. A promo fee, equal to 2% of the amount financed at time of purchase, will be shown as a separate transaction on your billing statement and included in the balance subject to this promo. Any taxes, delivery or other charges included in the amount financed will increase the related promo fee and the required monthly payments. For example, a $950 purchase with $50 in taxes and shipping costs, will be charged a promo fee equal to $20 and $1,020 will be charged to your account. No interest will be charged on the amount financed (including related promo fee), and equal monthly payments are required on such balance until it is paid in full. The payments equal the amount financed (including related promo fee) divided by the number of months in the promo period, rounded up to the next cent. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts as of 07/16/24: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
*Qualifying purchase amount must be on one receipt. A Promo Fee does not apply to this offer. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 07/16/24: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
† New Accounts as of 7/16/24: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms.