VIP CREDIT CARD

A simple way to buy what you want now and pay later in predictable, equal payments over time.

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How it works

1

Apply for Synchrony Pay Later Loan
Online: Select Synchrony Pay Later at Checkout Store: Scan the Pay Later QR Code

2

If approved, select the payment schedule that works for you. Then confirm your loan and proceed with your purchase.

3

Make monthly payments to Synchrony, who will send you alerts and email reminders

VIP Cardholder Benefits

No Annual Fee

Equal monthly payments

No Down Payment

At time of purchase with special financing

Convenient Monthly Payments

6,12, and 60 months special financing on qualifying purchases

SPECIAL FINANCING

PAYMENT CALCULATOR

Need help planning your budget?

Use the Synchrony Bank calculator to get an idea of your monthly payments.

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Frequently asked questions

What is Synchrony Pay Later?

Synchrony Pay Later provides simple and flexible payment options that allow you to buy now and pay later for the things you want.
Is Pay Later different from a credit card?

Yes. Pay Later is a single-purchase installment loan, which gives customers the power to make purchases today and pay them off over time in predictable, equal monthly payments. Customers can have more than one Pay Later loan open simultaneously, but each loan is closed when it is paid in full.
Am I able to make additional purchases using my Pay Later loan?

No. Synchrony Pay Later is an installment loan and can only be used to finance the original purchase for which it was opened. You may apply for additional Pay Later installment loans to use for future purchases if offered at checkout. you can have multiple Synchrony Pay Later and/or other Synchrony loans, subject to credit approval.
Can I have multiple Pay Later loans at the same time?

Yes, you can have multiple Synchrony Pay Later and/or other Synchrony loans, subject to credit approval.
Processing Synchrony Pay Later Returns

All Returns are subject to the return policy. Regardless of the return method, the customer remains responsible for all loan payments per original loan agreement. *Example: A $1,000 purchase at 0% APR would cost $334/month over 3 months. Subject to credit approval. Synchrony Pay Later installment loans are provided by Synchrony Bank. Maximum credit approval of $1,500.

Pay Later loan terms are available for 3 to 36 months with APRs ranging from 0%–29.99%**Example: A $1,500 purchase at 0% APR would cost 500/month over 3 months. A $1,500 purchase at 9.99% APR would cost $132/month over 12 months. A $1,500 purchase at 29.99% APR would cost $105/month over 18 months. Subject to credit approval. Synchrony Pay Later installment loans are provided by Synchrony Bank. Maximum credit approval of $12,000.