VIP CREDIT CARD

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

Already a VIP Cardholder?
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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

Can I request a credit limit increase on the Synchrony HOME Credit Card?

Yes*. Visit MySynchrony.com. Once you register, simply sign in anytime to take care of your account servicing needs, including credit limit increase request.*

*Cardholders may be required to provide their annual net income if their recent information is not on file. Cardholder income will be used as a factor to determine eligibility for a credit limit increase.
What is Synchrony Pay Later?

Synchrony Pay Later gives you the power to make purchases today and pay them off over time in predictable equal payments.*

1. Apply for Synchrony Pay Later with participating retailers and providers.
2. Buy now and pay later on the purchases that matter to you.
3. We make it easy. Sign into your account and make payments over time.

When you choose Synchrony Pay Later, you can either,

  • Pay in 4 equal payments over 6 months (No interests, no fees)
  • Pay equal month payments (No hidden fees)
What is an Equal Payment Promotion, and how does it work?

With an Equal Payment Promotion, no interest will be charged on the promotional purchase and the same equal payments are required monthly. This monthly payment amount is determined by dividing the purchase price by the number of months in the promotional period. All payments must be made on monthly due date to avoid late fees.
How do I register my credit card account(s)?

To register any Synchrony store credit card or Synchrony program card, you will need

  • Full account number: It's on the front of your card, on the top right corner of your monthly billing statement, and on the paper that your card was attached to when it was mailed
  • Last 4 digits of the primary account holder's Social Security Number
  • Date of birth

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.