More Ways to Pay With Synchrony + Gardner White
Buy Now, Pay Later
in monthly payments starting at $75*
Apply for Synchrony Pay Later at online checkout or in-store
Buy Now, Pay Later
in monthly payments starting at $75*
Apply for Synchrony Pay Later at online checkout or in-store
A simple way to buy what you want now and pay later in predictable, equal payments over time.
Predictable monthly payments
No hidden fees
Instant decision
No ongoing commitment once paid in full
How It Works
Apply for Synchrony Pay Later Loan
Online: Select Synchrony Pay Later at Checkout
In-Store: Scan the Pay Later QR code
If approved, select the payment schedule that works for you. Then confirm your loan and proceed with your purchase.
Make monthly payments to Synchrony, who will send you alerts and email reminders.
Want to enjoy extra benefits? Apply for the Gardner White Credit Card
Learn more
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.
Frequently Asked Questions
Synchrony Pay Later provides simple and flexible payment options that allow you to buy now and pay later for the things you want.
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.
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.
Yes, you can have multiple Synchrony Pay Later and/or other Synchrony loans, subject to credit approval.
All Returns are subject to the return policy. Regardless of return method, customer remains responsible for all loan payments per original loan agreement.
*Example: A $1,000 purchase at 0% APR would cost $334/month over 3 months. Subject to credit approval. Synchrony Pay Later installment loans are provided by Synchrony Bank. Maximum credit approval of $1,500.
