What is Synchrony Pay Later?
How it works
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Apply for Pay Later
Apply for Synchrony Pay Later with participating retailers and providers.
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Make a purchase
Buy now and pay later on the purchases that matter to you.
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Pay over time
We make it easy. Log into your account and make payments over time.
A different way to pay
When you choose Synchrony Pay Later, you'll enjoy:
- Purchasing power with more financing options
- Payment flexibility for purchases - from everyday necessities to high-ticket items
- Predictable payments to make budgeting easier
- Streamlined application process with immediate credit decision
Synchrony Pricing Guide
Pay Later (Up to 60 Mo) + Synchrony Flex Credit Card
| Cart | Promos |
|---|---|
| $50ā$500 | Pay in 4 (over 6 weeks) |
| $199ā$499 | 6 Mo Equal Pay No Interest* |
| $500ā$1199 | 12 Mo Equal Pay No Interest* Pay Monthly Loan for 12 Mo |
| $1200ā$1999 | 18 Mo Equal Pay No Interest* Pay Monthly Loan for 24 Mo (Select customers may be approved for 0% APR) |
| $2000ā$3999 | 24 Mo Equal Pay No Interest* Pay Monthly Loan for 48 Mo |
| $4000+ | 24 Mo Equal Pay No Interest* Pay Monthly Loan for 60 Mo |
*No interest with equal monthly payments.