Financing Options
Credit Card
Get more with financing options as low as 0%
See All Financing Options$0 down
12 months
no interest†financing
- Combinable with offers or discounts
- Minimum monthly payments required
- Available online and in-store
Monthly Payments
$0 down + 0 minimum
36 months
no interest†financing
- No minimum purchase required
- Not combinable with offers or discounts
- Equal monthly payments required for 36 months
- Available online and in-store
$0 down
30 months
no interest†financing
- $1999 minimum purchase required
- Combinable with offers or discounts
- Equal monthly payments required for 30 months
$0 down
40 months
no interest†financing
- $4999 minimum purchase required
- Combinable with offers or discounts
- Equal monthly payments required for 40 months
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More ways to pay
No Credit Needed±±
Pay just $79
to start±±
- No large upfront payment
- Instant decision (no, really!)
- Flexible payment options (weekly, biweekly or monthly)
- Make low payments or purchase early to save
- Approvals up to $4000
0% APR Installment Option
0% APR
A simple payment solution—Pay Later is a convenient installment loan, giving you the option to pay over time through equal monthly payments. It’s perfect for small or large purchases.
- Not combinable with storewide offer
- Equal monthly payments (up to one year)
- No interest accrued
- No ongoing credit commitment
Financing details
˜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.
No ongoing commitment. Equal monthly payments.
We partner with Synchrony Bank to offer Pay Later — a predictable monthly payment option for 0% APR. Select Pay Later at checkout.
Here are some examples of what you could pay when you choose Pay Later:
| Order Total | 3 Months | 6 Months | 12 Months |
| $75 | $25/month | n/a | n/a |
| $150 | $50/month | $25/month | n/a |
| $300 | $100/month | $50/month | $25/month |
| $900 | $300/month | $150/month | $75/month |
| $1,200 | $400/month | $200/month | $100/month |
Actual monthly payment is based on the total value of all items in your cart, plus tax and shipping.
Subject to credit approval. Synchrony Pay Later installment loans are provided by Synchrony Bank. Offer available for purchases starting at $75.
Not combinable with storewide offer, Equal monthly payments (up to one year), No interest accrued, No ongoing credit commitment, Obligation ends after payments are paid in full.
Frequently asked questions
For account information, call 1-866-396-8254. (If you have an existing account, have your account number ready.) If you haven’t received your Credit Card yet, call the number on your monthly statement.
To replace lost or stolen credit card, request credit line increase, obtain info on current amount of credit or for any other questions, please call us at the number above or log in to your account here.
Choosing an equal payment no interest promotion allows you to divide the total cost of your purchase into fixed monthly payments over a set term. This way, you have the convenience of knowing your exact monthly expense and the overall financial commitment upfront.
Want to learn more? Watch our short video to break down the details.
A deferred interest promotion allows you the opportunity to make purchases without paying interest for a set promotional period, provided the full amount is paid off before the period ends. It’s a great option if you plan to clear the balance by the end of the term, as it can potentially save you from paying any interest at all.
Check out our short video to see if this is the right option for you.
Apply here or at any of our participating retailer locations. Once your application is approved, you will receive your physical card from Synchrony Bank via postal mail in approximately 7-10 days. If it’s a joint application, both parties will receive their physical card. Your card and ID both must be present when making any purchases in stores.
Once your purchase has been completed it will appear on your next billing statement, and you will be required to make the minimum monthly payments per your financing promotion.
There are three convenient ways to pay!
1. Pay online here
2. Pay by phone: 1-866-396-8254, Monday-Sunday 7:30 am to 12:00 midnight EST (fee applies)
3. Pay by mail: Synchrony Bank, PO Box 960061 Orlando, FL 32896-0061. We accept checks, money orders, Western Union, Walmart Bill Pay services and electronically submitted payments from your financial institution.
We cannot process payments in store.