Synchrony Home Furnishings Credit Card*

𝐃𝐄𝐅𝐄𝐑𝐑𝐄𝐃 𝐈𝐍𝐓𝐄𝐑𝐄𝐒𝐓 𝐅𝐈𝐍𝐀𝐍𝐂𝐈𝐍𝐆-AVAILABLE EVERYDAY!

In-Stock Purchase Amount   

Up to $1998.99   

Promotion Period*

6 Months** 

Available when?

Everyday

In-Stock Purchase Amount   

$1999+

Promotion Period*

Everyday 12 Months*

Available when?

Everyday

 *For deferred interest, minimum monthly on-time payments are required and the balance must be paid in full by the end of the promotional period.  If not, the entire amount financed is subject to 32.99% interest.

In-Stock Purchase Amount   

$1999+

Promotion Period*

18 Months*

Available when?

Whenever KC publicizes the promotion*

*NOTE THE CHANGES MADE BY SYNCHRONY whenever KC is able to offer this promotion:

*For deferred interest, minimum monthly on-time payments are required and the balance must be paid in full by the end of the promotional period.  If not, the entire amount financed is subject to 32.99% interest.

Promotional Fee: For Equal Payments, No Interest financing offers of 18 months or longer, a Promo Fee will be added by Synchrony starting July 16, 2024. This Promo Fee is 2% of the total promotional purchase amount financed (including taxes, delivery or other charges), and will automatically be added to the total purchase amount of the sale by Synchrony. You do not need to calculate or add the fee.

Promo Fee: Frequently Asked Questions

When does Synchrony's Promo Fee go into effect?

July 16, 2024

On what promos is the fee charged?

Equal Payment No Interest (EPNI) promotions 18 months or greater. This includes introductory required equal monthly payment EPNI promotions.

How is the promo fee calculated?

It is 2% of the posted transaction, truncated/rounded down (i.e., the promo fee is rounded down to the next whole cent). For example, a $2,156.82 purchase would calculate a fee of $43.1364, which would be rounded down to $43.13.

How is the Required Equal Monthly Payment calculated?

Using the purchase amount plus the fee, divided by the # of months in the promotional period, rounded to the higher penny. For example, a $2,156.82 purchase would have a fee of $43.13. For an 18-month promotion, the Required Equal Monthly Payment would be $122.22 Calculation: ($2,156.82 + $43.13) / 18 = $122.2194444 —> round up to $122.22.

For introductory Required Equal Monthly Payment EPNIs, the Required Equal Monthly Payment will be recalculated automatically, including the fee and minus any payments,  the intro period ends.

How will the promo fee display at the POS at the time of purchase?

The EPNI (Equal Payments No Interest) disclosure will be updated to include that there is a 2% fee and that it is included in the Required Equal Monthly Payment calculation. The fee itself will not appear at POS. The fee is charged by SYF once the sale posts.

How will the customer see the promo fee?

It will appear as a transaction on their statement. In addition, it will be included in the balance of the promo in the promo summary box on the statement. If monthly payments are advertised, does the fee need to be included in the monthly payment calculation?Yes, the monthly payment must be calculated accurately and reflect the fee being including in the calculation. See Synchrony's Advertising Disclosure Guidelines.

What are the benefits?

• Promotional Financing available in-store

• Convenient monthly payments and online bill-pay

• Take advantage of promotional financing options and the opportunity to make monthly payments over time^

• You have the ability to use your KC Collections Synchrony Home Furnishings credit card to purchase again^

^Subject to credit approval. Minimum monthly payments required. See store for details.