Buy Now, Pay Later | 3 Equal Monthly Payments

in 3 equal monthly payments for purchases ranging from $75-$400.*
Apply for Synchrony Pay Later at online checkout or in any of our stores.

Synchrony Pay Later gives you the power to make purchases today and pay them off interest
free over time in 3 equal monthly payments.

Predictable monthly payments.
No hidden fees
Instant decision
No initial payment at time of purchase
no ongoing commitment once paid in full

FAQs

Have questions? We have answers.

What is 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 pain 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 return method, customer remains responsible
for all loan payments per original loan agreement.

In-Store Purchases Returned In-Store

With a valid receipt, refunds can be credited back to the Synchrony Pay Later Virtual Card in your digital
wallet or any debit or credit card.
If the purchase cannot be verified via receipt or by Perks lookup, store credit will be issues based on the
current price of the item(s).
If you used Synchrony Pay later and do not have the Virtual Card in your digital wallet, it can be re-added
within 28 days of the application date.
If the Synchrony Pay later Virtual Card is not available in your wallet, we recommend adding the return
credit amount to your debit card used for loan payments.

Online Purchases Returned In-Store

Unlike in-store purchases, online purchases utilizing Synchrony Pay later do not receive a Virtual Card.
With a valid receipt, refunds can be credited back to any debit or credit card.
If the purchase cannot be verified via receipt or by Perks lookup, store credit will be issues based on the
current price of the item(s).
If you used Synchrony Pay Later, we recommend adding the return credit amount to your debit card used
for loan payments.

*Example: A $300 purchase would cost $100/month over 3 months at 0% APR. Subject to credit approval.

Synchrony Pay Later installment loans are provided by Synchrony Bank.