Synchrony Pay Later

Synchrony Pay Later lets you split a purchase at a participating store, including Amazon, into 4 interest-free payments or into monthly payments for bigger buys. Many more stores offer a Synchrony credit card instead. Here's how each one works, what it costs and 82 US stores where you can use Synchrony.

See the terms Stores that take Synchrony

How Pay in 4 works

  1. At checkout$50First of 4 payments on a $200 purchase
  2. Over the next 6 weeks3 × $50Taken automatically, with email reminders
  3. Total$200No interest and no fees

Example of a $200 purchase. Pay in 4 covers $40 to $500; monthly plans start at $500 and can charge interest.

Is it right for you?

Good for

  • Purchases up to $500 you can pay off in 6 weeks, free
  • Bigger buys on a fixed monthly plan, ideally at 0% APR
  • Knowing your rate won't change during the loan

Watch out for

  • Monthly plans can charge up to 29.99% APR
  • Applying for $3,000 or more can affect your credit score
  • It only works at participating stores, one purchase per loan

Synchrony Pay Later terms

From Synchrony's own website, checked Nov 14, 2026. The plans and terms you see depend on the store and your credit.

Pay in 4
$40 to $500, 4 equal payments over 6 weeks, no interest and no fees
Pay Monthly
$500 and up, equal monthly payments for 3 to 84 months
APR
0% on Pay in 4; 0% to 29.99% on monthly plans, fixed for the loan
Credit check
Synchrony checks a credit bureau; under $3,000 it doesn't affect your score
Late fee
None on Pay in 4; monthly plans: $25 or the payment, whichever is less (Amazon says none on its orders)
Lender
Synchrony Bank

How to use it

  1. 1. Choose it at checkout

    At a participating store, pick Synchrony Pay Later and fill in a few details.

  2. 2. Accept your offer

    You get an instant decision. Review the plan, APR and payments, then accept to finish your order.

  3. 3. Pay it off

    Pay in 4 runs on autopay. Monthly plans are paid at paylater.syf.com or by phone. The loan closes once it's paid.

Synchrony Pay Later vs a Synchrony credit card

When a store says "finance with Synchrony", it usually means a credit card, not Pay Later. They work very differently.

Synchrony Pay Later

  • A one-off loan for a single purchase
  • Pay in 4 at no interest, or fixed monthly payments at 0% to 29.99% APR
  • The rate is fixed, and the loan closes when it's paid

Synchrony credit card

  • A credit card, often with the store's name (or Synchrony HOME, Car Care and similar)
  • Promo offers such as no interest if paid in full in 6 or 12 months
  • If the promo balance isn't paid off in time, interest is charged from the purchase date. Synchrony HOME's purchase APR is 34.99% for new accounts.

Stores that take Synchrony

82 US online stores that take Synchrony, checked on each store's website or Synchrony's: 7 with Synchrony Pay Later and 76 with a Synchrony credit card. Each store page says which one.

All stores 82 stores

  • 4 Wheel Parts

    Pay later

    Auto & powersports

    Off-road parts retailer selling lift kits, wheels, tires, bumpers and Jeep and truck accessories.

    Affirm · PayPal Pay Later · Synchrony credit card

    Checked Nov 14, 2026

    Visit 4 Wheel Parts

  • 413 Wholesale

    Both

    Furniture & mattresses

    Sells living room, bedroom and dining furniture and mattresses from its Las Vegas, NV showroom.

    Synchrony credit card · Kafene

    Checked Nov 14, 2026

    Visit 413 Wholesale

  • A-1 Appliance

    Both

    Cameras & electronics

    Sells new, open-box and scratch-and-dent home appliances from its Pearl, MS store.

    Synchrony credit card · Koalafi

    Checked Nov 14, 2026

    Visit A-1 Appliance

  • ABC Warehouse

    Both

    Cameras & electronics

    Sells appliances, TVs, mattresses, electronics and furniture from stores across Michigan, Ohio and Indiana.

    Synchrony Pay Later · Synchrony credit card · Progressive Leasing +1

    Checked Nov 14, 2026

    Visit ABC Warehouse

  • Abdul Furniture

    Both

    Furniture & mattresses

    Sells bedroom, living and dining sets and mattresses from its Queens, New York showroom.

    Shop Pay Installments · Synchrony credit card · Progressive Leasing +6

    Checked Nov 14, 2026

    Visit Abdul Furniture

  • Abernathy's Furniture

    Both

    Furniture & mattresses

    Sells furniture, mattresses and home appliances from its Blue Ridge, GA showroom.

    Synchrony credit card · Koalafi

    Checked Nov 14, 2026

    Visit Abernathy's Furniture

  • Adams Furniture

    Both

    Furniture & mattresses

    Sells living room, bedroom and dining furniture and mattresses from its Everett, MA showroom.

    Synchrony credit card · Koalafi

    Checked Nov 14, 2026

    Visit Adams Furniture

  • Affordable Furniture

    Both

    Furniture & mattresses

    Sells living room, bedroom and dining furniture and mattresses from its Houston, TX showroom.

    Synchrony credit card · Koalafi · American First Finance

    Checked Nov 14, 2026

    Visit Affordable Furniture

  • Amazon

    Pay later

    Department stores & marketplaces

    The largest US online marketplace, selling nearly everything from electronics and home goods to groceries, with fast Prime shipping.

    Affirm · Synchrony Pay Later · Amazon Monthly Payments +1HSA/FSA

    Checked Nov 14, 2026

    Visit Amazon

  • Bel Furniture

    Both

    Furniture & mattresses

    Sells living room, bedroom and dining furniture from Texas showrooms.

    Shop Pay Installments · Synchrony credit card · Progressive Leasing +1

    Checked Nov 14, 2026

    Visit Bel Furniture

  • Blue's Appliance

    Both

    Cameras & electronics

    Sells new open-box refrigerators, washers, dryers and ranges from a West Sacramento, California warehouse.

    Synchrony credit card · American First Finance

    Checked Nov 14, 2026

    Visit Blue's Appliance

  • Boxdrop Of Texarkana

    Both

    Furniture & mattresses

    Sells living room, bedroom and dining furniture and mattresses from its Texarkana, TX showroom.

    Synchrony credit card · Koalafi

    Checked Nov 14, 2026

    Visit Boxdrop Of Texarkana

  • BrandsMart USA

    Both

    Cameras & electronics

    Sells appliances, TVs, electronics, furniture and mattresses online and in Florida and Georgia stores.

    Klarna · Synchrony credit card · Katapult

    Checked Nov 14, 2026

    Visit BrandsMart USA

  • Camera Exchange

    Both

    Cameras & electronics

    Buys, sells and trades new and used cameras, lenses and photo gear.

    Synchrony credit card · Katapult

    Checked Nov 14, 2026

    Visit Camera Exchange

  • Canal Furniture

    Both

    Furniture & mattresses

    Sells modern and Italian furniture from its New York City showroom and ships nationwide.

    Shop Pay Installments · Synchrony credit card · Snap Finance

    Checked Nov 14, 2026

    Visit Canal Furniture

  • Canales Furniture

    Both

    Furniture & mattresses

    Sells furniture, mattresses and appliances from Texas and Oklahoma showrooms.

    Affirm · Synchrony Pay Later · Progressive Leasing +2

    Checked Nov 14, 2026

    Visit Canales Furniture

  • Cardi's Furniture & Mattresses

    Both

    Furniture & mattresses

    Sells sofas, beds, mattresses and decor from New England stores.

    Synchrony credit card · Acima

    Checked Nov 14, 2026

    Visit Cardi's Furniture & Mattresses

  • Daynis Home Decor

    Both

    Furniture & mattresses

    Sells furniture, mattresses and home decor from its showroom and website.

    Synchrony credit card · Koalafi · American First Finance

    Checked Nov 14, 2026

    Visit Daynis Home Decor

  • Deluxe Home Decor Furniture

    Both

    Furniture & mattresses

    Sells modern sofas, sectionals, coffee tables and bedroom furniture from its Tampa, Florida showroom.

    Synchrony credit card · American First Finance

    Checked Nov 14, 2026

    Visit Deluxe Home Decor Furniture

  • Discount Tire

    Pay later

    Auto & powersports

    Large US tire retailer selling tires and wheels online with installation at its stores.

    Affirm · Synchrony credit card

    Checked Nov 14, 2026

    Visit Discount Tire

  • Discounted Wheel Warehouse

    Both

    Auto & powersports

    Sells discounted wheels and tires online and from Orange County, California.

    Synchrony credit card · Progressive Leasing · Acima +1

    Checked Nov 14, 2026

    Visit Discounted Wheel Warehouse

  • Electronic Express

    Both

    Cameras & electronics

    Southeastern US retailer of appliances, TVs, electronics and furniture.

    Affirm · Synchrony credit card · Progressive Leasing +3

    Checked Nov 14, 2026

    Visit Electronic Express

  • Emoto Superstore

    Both

    Auto & powersports

    Sells electric dirt bikes from Surron, E Ride Pro, Talaria and more.

    Synchrony Pay Later · Katapult

    Checked Nov 13, 2026

    Visit Emoto Superstore

  • Furniture Fair

    Both

    Furniture & mattresses

    Sells furniture and mattresses from Cincinnati, Dayton and Louisville stores.

    Synchrony credit card · Acima

    Checked Nov 14, 2026

    Visit Furniture Fair

  • Garage Bagger Stereo

    Both

    Auto & powersports

    Sells Harley-Davidson motorcycle audio speakers, amps and install kits.

    Klarna · Shop Pay Installments · Sezzle +4

    Checked Nov 14, 2026

    Visit Garage Bagger Stereo

  • Gate Furniture

    Both

    Furniture & mattresses

    Sells living room, bedroom and dining furniture and mattresses online and in store.

    Synchrony credit card · Koalafi

    Checked Nov 14, 2026

    Visit Gate Furniture

  • Gibson

    Pay later

    Music

    Iconic electric and acoustic guitars, including Les Paul, SG and Epiphone models.

    Shop Pay Installments · Synchrony credit card

    Checked Nov 14, 2026

    Visit Gibson

  • Good Mattress Plano

    Both

    Furniture & mattresses

    Sells mattresses, beds and bedding from its Plano, TX store.

    Synchrony credit card · Koalafi · American First Finance

    Checked Nov 14, 2026

    Visit Good Mattress Plano

  • Grand Home Furnishings

    Both

    Furniture & mattresses

    Sells furniture, mattresses and home decor online and from its regional furniture stores.

    Synchrony credit card · American First Finance

    Checked Nov 14, 2026

    Visit Grand Home Furnishings

  • Guitar Center

    Both

    Music

    Sells guitars, amps, drums, keyboards, DJ and pro audio gear, new and used.

    Klarna · PayPal Pay Later · Synchrony credit card +1

    Checked Nov 14, 2026

    Visit Guitar Center

  • Higdon Furniture

    Both

    Furniture & mattresses

    Sells living room, bedroom and dining furniture and mattresses from showroom locations in Kentucky.

    Synchrony credit card · Koalafi

    Checked Nov 14, 2026

    Visit Higdon Furniture

  • Home Zone Furniture

    Both

    Furniture & mattresses

    Sells living room, bedroom and dining furniture and mattresses from showroom locations in Oklahoma and Texas.

    Synchrony credit card · Koalafi

    Checked Nov 14, 2026

    Visit Home Zone Furniture

  • Huckleberry Bicycles

    Pay later

    Bikes, water & outdoors

    Bike shop selling road, mountain and e-bikes and gear, shipped across the US.

    Shop Pay Installments · Synchrony Pay LaterHSA/FSA

    Checked Nov 14, 2026

    Visit Huckleberry Bicycles

  • Irving Blvd Furniture

    Both

    Furniture & mattresses

    Sells furniture and home furnishings from Irving, Texas.

    Shop Pay Installments · Synchrony credit card · Progressive Leasing +3

    Checked Nov 14, 2026

    Visit Irving Blvd Furniture

  • J.Crew

    Pay later

    Clothing & shoes

    Sells classic clothing, shoes and accessories for women, men and kids.

    Klarna · Affirm · Cash App Afterpay +1

    Checked Nov 14, 2026

    Visit J.Crew

  • J.Crew Factory

    Pay later

    Clothing & shoes

    Sells discounted J.Crew-style clothing, sweaters, shoes and accessories for men, women and kids.

    Cash App Afterpay · Synchrony credit card

    Checked Nov 14, 2026

    Visit J.Crew Factory

  • James Furniture

    Both

    Furniture & mattresses

    Sells living room, bedroom and dining furniture and mattresses from showroom locations in Georgia.

    Synchrony credit card · Kafene · American First Finance

    Checked Nov 14, 2026

    Visit James Furniture

  • Jenny's

    Both

    Furniture & mattresses

    Sells furniture, mattresses and home appliances from its Modesto, CA showroom.

    Synchrony credit card · Koalafi

    Checked Nov 14, 2026

    Visit Jenny's

  • Jerome's Furniture

    Both

    Furniture & mattresses

    Sells sofas, dining sets and bedroom furniture from Southern California showrooms.

    Synchrony credit card · Progressive Leasing

    Checked Nov 14, 2026

    Visit Jerome's Furniture

  • Kassa Mall

    Both

    Furniture & mattresses

    Sells living room, bedroom and dining furniture and mattresses from showroom locations in Texas.

    Synchrony credit card · Koalafi · Okinus +1

    Checked Nov 14, 2026

    Visit Kassa Mall

  • Krazy Furniture

    Both

    Furniture & mattresses

    Sells living room, bedroom and dining furniture and mattresses from its Dallas, TX showroom.

    Synchrony credit card · Koalafi · Kafene +1

    Checked Nov 14, 2026

    Visit Krazy Furniture

  • Landeros Furniture Superstore

    Both

    Furniture & mattresses

    Sells living room, bedroom and dining furniture and mattresses from its Los Angeles, CA showroom.

    Synchrony credit card · Koalafi · Kafene

    Checked Nov 14, 2026

    Visit Landeros Furniture Superstore

  • Leslie's Furniture

    Both

    Furniture & mattresses

    Sells accent chairs, bedroom and dining furniture from Missouri City, Texas.

    Shop Pay Installments · Synchrony credit card · Progressive Leasing

    Checked Nov 14, 2026

    Visit Leslie's Furniture

  • Lovesac

    Pay later

    Furniture & mattresses

    Furniture brand known for modular Sactionals couches and Sac bean bag chairs.

    Affirm · Synchrony credit card

    Checked Nov 14, 2026

    Visit Lovesac

  • Lowe's

    Both

    Home improvement

    Home improvement chain selling appliances, tools, building materials, lawn and garden and home decor.

    Affirm · Synchrony credit card · Progressive Leasing

    Checked Nov 14, 2026

    Visit Lowe's

  • Massage Chair Planet

    Both

    Health & recovery

    Sells luxury massage chairs and recliners from Osaki, Infinity, Luraco and others.

    Affirm · Shop Pay Installments · PayPal Pay Later +2

    Checked Nov 14, 2026

    Visit Massage Chair Planet

  • Mathis Home

    Both

    Furniture & mattresses

    Sells furniture, mattresses and home decor.

    Affirm · Cash App Afterpay · Synchrony credit card +1

    Checked Nov 14, 2026

    Visit Mathis Home

  • Mattress Firm

    Both

    Furniture & mattresses

    Sells mattresses, bases and bedding online and in stores nationwide.

    Synchrony credit card · Progressive Leasing

    Checked Nov 14, 2026

    Visit Mattress Firm

  • Mattress on Demand

    Both

    Furniture & mattresses

    Sells mattresses online and from showrooms near Katy, Texas.

    Affirm · Shop Pay Installments · Synchrony credit card +2

    Checked Nov 14, 2026

    Visit Mattress on Demand

  • MDC Appliances

    Both

    Cameras & electronics

    Sells refrigerators, washers, dryers, ranges and dishwashers from Bethlehem, Pennsylvania.

    Synchrony credit card · American First Finance

    Checked Nov 14, 2026

    Visit MDC Appliances

  • Mega Furniture

    Both

    Furniture & mattresses

    Sells living room, bedroom and dining furniture and mattresses from showroom locations in Arizona, Maryland and Texas.

    Synchrony credit card · Koalafi · Kafene

    Checked Nov 14, 2026

    Visit Mega Furniture

  • Midwest Mattress Company

    Both

    Furniture & mattresses

    Sells mattresses, adjustable bases and bedding in central Illinois.

    Synchrony credit card · Acima · American First Finance

    Checked Nov 14, 2026

    Visit Midwest Mattress Company

  • Mike's Bikes

    Pay later

    Bikes, water & outdoors

    California bike retailer selling road, mountain and electric bikes.

    Shop Pay Installments · Synchrony credit cardHSA/FSA

    Checked Nov 14, 2026

    Visit Mike's Bikes

  • Moore Guitars

    Pay later

    Music

    Sells new and used electric and acoustic guitars, amps and pedals with pro setup.

    PayPal Pay Later · Synchrony credit card

    Checked Nov 14, 2026

    Visit Moore Guitars

  • Music Direct

    Pay later

    Cameras & electronics

    Audiophile retailer selling turntables, speakers, amps and vinyl records.

    Affirm · Synchrony credit card

    Checked Nov 14, 2026

    Visit Music Direct

  • Ornate Home

    Both

    Furniture & mattresses

    Sells furniture, mattresses, rugs and home decor online.

    Affirm · Shop Pay Installments · Cash App Afterpay +5

    Checked Nov 14, 2026

    Visit Ornate Home

  • P.C. Richard & Son

    Both

    Cameras & electronics

    Northeast appliance and electronics retailer selling TVs, appliances, computers and mattresses.

    Affirm · Synchrony credit card · Acima

    Checked Nov 14, 2026

    Visit P.C. Richard & Son

  • Palen Music Center

    Both

    Music

    Sells and rents musical instruments and offers lessons in the Midwest.

    Affirm · Shop Pay Installments · Synchrony credit card +1

    Checked Nov 14, 2026

    Visit Palen Music Center

  • PROCAM

    Both

    Cameras & electronics

    Sells new and used cameras, lenses, lighting and video gear.

    Synchrony credit card · Progressive Leasing · Katapult

    Checked Nov 14, 2026

    Visit PROCAM

  • REEDS Jewelers

    Both

    Jewelry & watches

    Sells engagement rings, diamonds, fine jewelry and watches.

    Affirm · Cash App Afterpay · Synchrony credit card +1

    Checked Nov 14, 2026

    Visit REEDS Jewelers

  • Regency Furniture

    Both

    Furniture & mattresses

    Sells discount furniture from Maryland, Virginia and Pennsylvania showrooms.

    Klarna · Affirm · Synchrony credit card +1

    Checked Nov 14, 2026

    Visit Regency Furniture

  • Rooms To Go

    Both

    Furniture & mattresses

    Furniture retailer selling living room, bedroom and dining sets, mattresses and outdoor furniture.

    Klarna · Affirm · Cash App Afterpay +2

    Checked Nov 14, 2026

    Visit Rooms To Go

  • Rudy's Home Furniture

    Both

    Furniture & mattresses

    Sells living room, bedroom and dining furniture and mattresses from its San Antonio, TX showroom.

    Synchrony credit card · Koalafi

    Checked Nov 14, 2026

    Visit Rudy's Home Furniture

  • Russo Music

    Pay later

    Music

    New Jersey music store selling guitars, drums, keyboards and pro audio.

    Affirm · Shop Pay Installments · Synchrony credit card

    Checked Nov 14, 2026

    Visit Russo Music

  • Sam's Club

    Pay later

    Department stores & marketplaces

    Walmart's membership warehouse club, selling groceries, electronics, furniture, tires and household goods in bulk.

    Affirm · Synchrony credit card

    Checked Nov 14, 2026

    Visit Sam's Club

  • Savon Furniture USA

    Both

    Furniture & mattresses

    Sells living room, bedroom and dining furniture and mattresses from its Visalia, CA showroom.

    Synchrony credit card · Koalafi · Kafene

    Checked Nov 14, 2026

    Visit Savon Furniture USA

  • SD Tire & Wheel Outlet

    Both

    Auto & powersports

    Sells and installs tires and wheels in San Diego.

    Synchrony credit card · Progressive Leasing · Acima +1

    Checked Nov 14, 2026

    Visit SD Tire & Wheel Outlet

  • Seaside Appliance World

    Both

    Cameras & electronics

    Sells new, open-box and scratch-and-dent home appliances from its Panama City, FL store.

    Synchrony credit card · Koalafi

    Checked Nov 14, 2026

    Visit Seaside Appliance World

  • Sewing Machines Plus

    Pay later

    Cameras & electronics

    Sells sewing, quilting and embroidery machines from Bernina, Brother, Juki and more.

    Klarna · Affirm · Shop Pay Installments +1

    Checked Nov 14, 2026

    Visit Sewing Machines Plus

  • Sleep Number

    Pay later

    Furniture & mattresses

    Sells Sleep Number smart beds, mattresses, bases and bedding.

    Affirm · Synchrony Pay LaterHSA/FSA

    Checked Nov 14, 2026

    Visit Sleep Number

  • Sven & Son

    Both

    Furniture & mattresses

    Sells adjustable beds, mattresses and bedding.

    Klarna · Affirm · Shop Pay Installments +2HSA/FSA

    Checked Nov 14, 2026

    Visit Sven & Son

  • Sweetwater

    Pay later

    Music

    Music gear retailer selling guitars, keyboards, recording equipment, live sound and DJ gear.

    Affirm · Synchrony credit card

    Checked Nov 14, 2026

    Visit Sweetwater

  • Texas Appliance Hub

    Both

    Cameras & electronics

    Sells new, open-box and scratch-and-dent home appliances from store locations in Texas.

    Synchrony credit card · Koalafi · Kafene +1

    Checked Nov 14, 2026

    Visit Texas Appliance Hub

  • The Music Zoo

    Pay later

    Music

    New York guitar dealer selling new, used and custom shop guitars.

    Affirm · Shop Pay Installments · Synchrony credit card

    Checked Nov 14, 2026

    Visit The Music Zoo

  • Transformer Table

    Pay later

    Furniture & mattresses

    Sells extendable dining tables, dining sets, table-to-desk designs and adaptable furniture.

    Bread Pay · Klarna · Synchrony credit card

    Checked Nov 14, 2026

    Visit Transformer Table

  • Verizon

    Pay later

    Cameras & electronics

    Major US wireless carrier selling phones, plans and accessories online; Affirm applies to accessory purchases.

    Affirm · Synchrony credit card

    Checked Nov 14, 2026

    Visit Verizon

  • Vintage King

    Pay later

    Music

    Pro audio retailer selling studio gear, microphones and consoles.

    Affirm · Cash App Afterpay · Synchrony credit card

    Checked Nov 14, 2026

    Visit Vintage King

  • Walker Mattres, Furniture & Appliance

    Both

    Furniture & mattresses

    Sells furniture, mattresses and home appliances from its Belton, TX showroom.

    Synchrony credit card · Koalafi · Kafene

    Checked Nov 14, 2026

    Visit Walker Mattres, Furniture & Appliance

  • WDC Kitchen & Bath Center

    Both

    Kitchen & coffee

    Sells kitchen appliances and plumbing fixtures in Southern California.

    Synchrony credit card · Progressive Leasing

    Checked Nov 14, 2026

    Visit WDC Kitchen & Bath Center

  • Wheel Warehouse

    Both

    Auto & powersports

    Sells wheels, rims and tires online and in Orange County, California.

    Affirm · Synchrony credit card · Progressive Leasing +3

    Checked Nov 14, 2026

    Visit Wheel Warehouse

  • Willoughby's

    Both

    Cameras & electronics

    Sells cameras, lenses and photo gear from New York.

    Synchrony credit card · Acima · Katapult

    Checked Nov 14, 2026

    Visit Willoughby's

  • Winder Mattress and Furniture

    Both

    Furniture & mattresses

    Sells discounted mattresses and furniture from Winder, Georgia.

    Synchrony credit card · American First Finance

    Checked Nov 14, 2026

    Visit Winder Mattress and Furniture
Showing 24 of 82

We list a store only after seeing Synchrony on its own website, or on Synchrony's page for that store's card. Synchrony's marketplace names hundreds more stores, many of them local shops that offer it in person only. Check whether you're applying for Pay Later or a credit card at checkout. Know a store we've missed? Tell us.

Questions people ask

Does Synchrony Pay Later check your credit?

Yes. Synchrony checks a credit bureau to decide. Applying for less than $3,000 doesn't affect your credit score; applying for $3,000 or more may.

Is there a late fee?

Not on Pay in 4. On Pay Monthly, Synchrony charges $25 or the amount of the scheduled payment, whichever is less. Amazon says its Synchrony Pay Later loans have no late fees.

Can I use Synchrony Pay Later on Amazon?

Yes, on eligible Amazon orders over $50, in equal monthly payments. Choose it at checkout and apply. Your first payment is due 30 to 33 days after everything ships, and you can pay off early with no penalty.

How do I pay my Synchrony Pay Later loan?

Pay in 4 payments are taken automatically, with an email reminder before each one. For Pay Monthly, you pay online at paylater.syf.com or by phone, with a debit card or bank transfer.

Is it the same as a Synchrony store card?

No. Many stores offer a Synchrony credit card with promotional financing, which you can use again. Synchrony Pay Later is a one-off installment loan for a single purchase. To buy something else, you apply again.

What does "no interest if paid in full" mean on a Synchrony card?

It's deferred interest. If you pay the whole promo purchase off before the promo period ends, you pay no interest. If any of it is left, interest is charged on the full purchase from the day you bought it. Synchrony HOME, for example, has a 34.99% purchase APR for new accounts.

Which stores take Synchrony?

Our list below shows every store where we confirmed Synchrony on the store's website or Synchrony's, and whether it's Synchrony Pay Later or a Synchrony credit card. Synchrony's own marketplace lists hundreds more, many of them local stores that only offer it in person.

Can the APR change?

No. The APR is set in your loan agreement and stays the same for the life of the loan.

Sources

Checked Nov 14, 2026.

Meedsy is not a lender and is not connected to Synchrony. Names belong to their owners. How we make money