Synchrony Financing Disclosures
Financing offered through Synchrony Bank, subject to credit approval. The disclosures below apply to each promotional plan offered. The plan available to you, and its exact terms, are confirmed at the time of your quote.
Plan 920 — No Interest if Paid in Full within 6 Months.§ On qualifying purchases made with your Synchrony Project Card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6 Months. $29 account activation fee may apply. Fixed Monthly Payments required equal to 2.5% of the highest balance applicable to this promo purchase.
§Promotional/sale-priced items are not eligible for this financing offer. Qualifying purchase amount must be on one receipt. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. Fixed monthly payments are required equal to 2.5% of the highest balance applicable to this promo purchase during the promotional period for purchases made on or after 1/15/2026, or until the promotional purchase is paid in full for purchases made before 1/15/2026. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to promotional purchases, except that for purchases made before 1/15/2026, the fixed monthly payment that is based on the highest balance applicable to this promotional purchase will continue to be required until the promotion is paid in full. New Accounts as of 8/29/25: Purchase APR 26.99%. Min Interest Charge $2. One-time Account Activation Fee of $29 charged at time first purchase posts to account. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
Plan 924 — No Interest if Paid in Full within 18 Months.§ On qualifying purchases of $10,000.00 or more after discounts made with your Synchrony Project Card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 18 Months. $29 account activation fee may apply. Fixed Monthly Payments required equal to 2.5% of the highest balance applicable to this promo purchase.
§Promotional/sale-priced items are not eligible for this financing offer. Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. Fixed monthly payments are required equal to 2.5% of the highest balance applicable to this promo purchase during the promotional period for purchases made on or after 1/15/2026, or until the promotional purchase is paid in full for purchases made before 1/15/2026. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to promotional purchases, except that for purchases made before 1/15/2026, the fixed monthly payment that is based on the highest balance applicable to this promotional purchase will continue to be required until the promotion is paid in full. New Accounts as of 8/29/25: Purchase APR 26.99%. Min Interest Charge $2. One-time Account Activation Fee of $29 charged at time first purchase posts to account. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
Plan 980 — 5.99% APR for 37 Months.† On qualifying purchases of $10,000.00 or more after discounts made with your Synchrony Project Card. $29 account activation fee may apply. Fixed monthly payments required for 37 months.
†Promotional/sale-priced items are not eligible for this financing offer. Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. Interest will be charged from the purchase date at a reduced 5.99% APR, and fixed monthly payments are required until paid in full. These payments are equal to 3.00% of initial total promo purchase amount, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts as of 8/29/25: Purchase APR 26.99%. Min Interest Charge $2. One-time Account Activation Fee of $29 charged at time first purchase posts to account. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
Plan 952 — 9.99% APR for 98 Months.† On qualifying purchases of $10,000.00 or more after discounts made with your Synchrony Project Card. $29 account activation fee may apply. Fixed monthly payments required for 98 months.
†Promotional/sale-priced items are not eligible for this financing offer. Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. Interest will be charged from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required until paid in full. These payments are equal to 1.50% of initial total promo purchase amount, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts as of 8/29/25: Purchase APR 26.99%. Min Interest Charge $2. One-time Account Activation Fee of $29 charged at time first purchase posts to account. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
Plan 943 — 9.99% APR for 132 Months.† On qualifying purchases of $10,000.00 or more after discounts made with your Synchrony Project Card. $29 account activation fee may apply. Fixed monthly payments required for 132 months.
†Promotional/sale-priced items are not eligible for this financing offer. Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. Interest will be charged from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required until paid in full. These payments are equal to 1.25% of initial total promo purchase amount, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts as of 8/29/25: Purchase APR 26.99%. Min Interest Charge $2. One-time Account Activation Fee of $29 charged at time first purchase posts to account. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
Payment examples shown above (e.g. “$250/mo per $10,000”) are estimates based on Synchrony’s published payment factors and are rounded up to the next whole dollar; actual minimum payments and totals depend on your approved plan and balance. Reduced-APR plans (980, 952, 943) and Plan 924 require a minimum purchase of $10,000.
Promotional pricing. Our promotional and sale prices and bundle discounts are standard-payment specials and are not eligible for financing; financing is available on standard catalog items at regular retail pricing (see “About Our Promotional Offers” above). Terms are set by Synchrony and subject to change.