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Product Financing

Convenient financing options make your purchase easy and comfortable.

A new HVAC system or Generator is one of the most important investments you'll make, one that can deliver energy and cost savings for many years to come. You don't have to let a small budget keep you from getting the most efficient solution for your household. That's why Synchrony offers flexible financing options for any budget.

Expand your purchasing power and convenience with:

  • Competitive interest rates
  • No down payment required

  • No annual fee
  • Generous credit lines available
  • No prepayment penalties
  • Low monthly payments
  • Simple application—only takes minutes
  • Open line of credit for future purchases (Available in US only)

Current Promotional Offers

No Monthly Interest if Paid in Full within 18 Months* Plan 605

On Purchases of 1,000 or more with your Synchrony credit card $29 account activation fee may apply. Fixed Monthly Payment Required.


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No monthly interest charges will be assessed if promotional purchase is paid in full within 18 Months. If the promotional purchase is not paid in full within 18 Months, monthly interest will be imposed from the date of the purchase at 26.99% APR as of 8/15/12. Fixed monthly payments are required equal to 2.5% of the highest balance applicable to this promotional purchase until paid in full. Regular account terms apply to non-promotional purchases and the promotion ends, to promotional purchases, except that the fixed monthly payment will continue to be required until the promotional purchase is paid in full. See Synchrony Bank Credit Card Agreement for complete details.The minimum payment is $25.00 per $1,000.00 financed

5.99 % APR until Paid in Full* Plan 602

On Purchases of 1,000 or more with your Synchrony credit card. $29 account activation fee may apply. Fixed Monthly Payment Required. Estimated payoff period is 37 months.

The minimum payment is $30.00 per $1,000.00 financed

*Offer applies only to single-receipt qualifying purchases. Monthly interest will be assessed on promo purchases from purchase date at a reduced 5.99% APR, and fixed monthly payments are required equal to 3.00% of the initial promo purchase amount until promo is paid in full. However, if account becomes 60 days past due, promo may be terminated early and regular account terms will apply. The fixed monthly payment may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases. For new accounts: As of 8/15/12, Purchase APR 5.99%; Minimum Monthly Interest Charge is $2. Account Activation Fee is $29. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

7.99 % APR until Paid in Full* Plan 604

On Purchases of 1,000 or more with your Synchrony credit card. $29 account activation fee may apply. Fixed Monthly Payment Required. Estimated payoff period is 47 months.

The minimum payment is $25.00 per $1,000.00 financed

*Offer applies only to single-receipt qualifying purchases. Monthly interest will be assessed on promo purchases from purchase date at a reduced 7.99% APR, and fixed monthly payments are required equal to 2.50% of the initial promo purchase amount until promo is paid in full. However, if account becomes 60 days past due, promo may be terminated early and regular account terms will apply. The fixed monthly payment may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases. For new accounts: As of 8/15/12, Purchase APR 7.99%; Minimum Monthly Interest Charge is $2. Account Activation Fee is $29. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

9.99 % APR until Paid in Full* Plan 600

On Purchases of 1,000 or more with your Synchrony credit card. $29 account activation fee may apply. Fixed Monthly Payment Required. Estimated payoff period is 132 months.

The minimum payment is $12.50 per $1,000.00 financed

*Offer applies only to single-receipt qualifying purchases. Monthly interest will be assessed on promo purchases from purchase date at a reduced 9.99% APR, and fixed monthly payments are required equal to 1.25% of the initial promo purchase amount until promo is paid in full. However, if account becomes 60 days past due, promo may be terminated early and regular account terms will apply. The fixed monthly payment may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases. For new accounts: As of 8/15/12, Purchase APR 9.99%; Minimum Monthly Interest Charge is $2. Account Activation Fee is $29. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.