Synchrony Financing

What is Synchrony Financing?

Synchrony Financing, offered by Synchrony Bank, is a type of consumer financing that allows individuals to make purchases with the option of paying for them over time, often with promotional financing terms. One of the key features of Synchrony Financing is the availability of 0% interest for a specified period, typically ranging from a few months to several years, depending on the promotion.

Customers can apply for Synchrony Financing when making a purchase from a retailer or a business that partners with Synchrony Bank. If approved, they can enjoy the benefits of deferred interest or fixed monthly payments, depending on the terms of the financing offer. This financing option is commonly used for big-ticket purchases like furniture, electronics, appliances, or, in this case, mattresses, allowing consumers to spread out the cost of their purchase while avoiding the accrual of interest during the promotional period

Benefits of the Synchrony HOME Credit Card

  • 2% cash back as a statement credit on purchases under $299
  • 6 Months Promotional Financing on purchases of $299 or more2
  • 12 to 60 Months Promotional Financing on qualifying purchases at participating Synchrony HOME retailers
  • Online account management and customer service
  • A dedicated credit limit for home purchases from furniture and d├ęcor to appliances and more, with buying power to get what you want and need for your home*
  • No annual fee3, free FICO credit scores4 and the ability to request a credit limit increase5
  • $0 fraud liability and 24/7 secure account man

Enjoy everyday benefits, everywhere the card is accepted.

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Synchrony Financing Frequently Asked Questions

Applying for Synchrony Finance at Mattress Lux is easy. During the checkout process on our website, you will have the option to select Synchrony Financing as your payment method. Follow the prompts to complete the application, and you will receive a decision quickly.

Opting for Synchrony Financial allows you to enjoy 0% interest for 12 months, making it easier to afford the mattress of your dreams. It provides flexibility in your budget and an affordable way to invest in quality sleep.

Eligibility for Synchrony Financing may involve a credit check, and approval is based on your credit. The specific eligibility criteria may vary, but Mattress Lux can provide guidance during the application process.

Yes, Synchrony Financing is available for both in-store and online mattress purchases at Mattress Lux, offering you the flexibility to choose the shopping method that suits you best.

Yes, minimum purchase is required. It's recommended to check the terms and conditions on our website or contact our customer support for information regarding the minimum purchase amount.