12 months to pay with no interest if paid in full.
Special financing on qualifying purchases with your Synchrony credit card. Pay the full balance within 12 months and you won’t owe interest.
Subject to approval. Opens the provider’s secure application.
12months
no interest if paid in full. If you don’t pay it off in time, interest is charged from the purchase date.1
- Credit approval required
- Minimum monthly payments required, and they may not pay it off in time
- Manage your account and pay online at MySynchrony.com
How it works
1. Apply
Apply online in minutes. Have your name, address, income, and Social Security number ready.
2. Get a decision
Most decisions come back quickly. Some applications need extra review.
3. Shop with your card
Use your card on a qualifying purchase and ask a team member about the 12-month offer. Set up autopay to stay on track.
Plan your payments
Your minimum payment due may be lower. Paying only the minimum may not pay off the purchase before the 12 months end.
What you’ll need to apply
- Your name, address, and date of birth
- Your income details
- A Social Security number
- A qualifying purchase (minimum may apply)
Before you apply: how deferred interest works
- Interest builds while you pay, and is waived only if you finish. If you pay the full promotional balance within 12 months, you owe no interest.
- If a balance remains, interest goes back to day one. You’ll be charged interest from the purchase date on the promotional purchase.
- Minimum payments may not be enough. Divide your purchase by 12 and pay at least that much each month, or use the planner above.
- Rates and fees are in your application. Check the purchase APR, penalty APR, and minimum interest charge before you apply.
Common questions
What does “no interest if paid in full” mean?
Interest is calculated during the 12 months but waived if you pay the entire promotional balance before the period ends. If any of it is left, interest is charged from the purchase date.
How do I avoid interest?
Pay the full promotional balance within 12 months. Dividing your purchase by 12 gives you the monthly amount to aim for, and paying a little extra or finishing a month early gives you a cushion. Autopay helps.
Will applying affect my credit score?
Applying for a credit card is a request for credit and may involve a hard inquiry, which can affect your credit score. Read the application disclosures before you submit.
What if I’m not approved?
Try another option. Snap and Affirm each use different criteria. Compare them on the financing page.
Ready to apply with Synchrony?
Apply with Synchrony1. Subject to credit approval. Credit is extended by Synchrony Bank. No interest if paid in full within 12 months on qualifying purchases made with your Synchrony credit card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 12 months. Minimum monthly payments required. Depending on your purchase amount, promotion length, and payment allocation, the required minimum monthly payment may or may not pay off the purchase by the end of the promotional period. Regular account terms apply to non-promotional purchases and, after the promotion ends, to promotional purchases. For new accounts, the purchase APR, penalty APR, and minimum interest charge are shown in your application. Existing cardholders should see their credit card agreement for their applicable terms.
Cheap Sleep is not a lender or lessor. Offers, terms, and availability vary by provider, product, and store, and may change without notice.