No, Synchrony Pay Later loans do not require activation.

To log in to your loan, go to paylater.syf.com.

Pay in 4: When you applied for a Synchrony Pay in 4 loan, you set up autopayments, so you don’t need to do anything else. You will be reminded of an upcoming payment via email before your payment is due, and the payment will be processed when the payment is due. You will receive another message confirming that each payment was processed by us.

Pay Monthly: You can pay your loan payments with a debit card or ACH transfer online at paylater.syf.com. You also have the option to pay your loan payments via phone with either a debit card or ACH transfer.

Pay in 4: When you applied for a Synchrony Pay in 4 loan, you set up autopayments, so you don’t need to do anything else.

Pay Monthly: Yes – autopay is available for Synchrony Pay Monthly. To enroll, please visit paylater.syf.com or call 1-844-373-4960.

Pay in 4: Payments are due every two weeks until loan is paid in full. Please visit paylater.syf.com to view your most recent payment and your next scheduled payment date.

Pay Monthly: Payments are due monthly until loan is paid in full. Please visit paylater.syf.com or to view your next scheduled payment date.

Pay in 4: While you cannot adjust the payment amount for your loan once the application process is complete, you can modify an upcoming payment source (not amount) through paylater.syf.com with a debit card or credit card.

Pay Monthly: You can make changes to your account including amount and source at paylater.syf.com.

Pay in 4: A payment not made by your due date would cause your loan to be in default.

Pay Monthly: Yes, a late fee is assessed on late payments. The late fee amount will either be $25 or the amount of your scheduled payment, whichever is less.

Please contact us to discuss correcting the missed payment.

Please contact us to discuss your situation with a representative.

No, debt cancellation is not a feature of this loan product.

Please contact customer service.

Your loan will be automatically closed once your final loan payment has been made and the loan has a zero balance.

Pay in 4: If you would like a payoff your loan, visit paylater.syf.com.

Pay Monthly: If you would like a payoff quote on your loan, please contact customer service. You can also view your payoff quote (as of that day) by going online to paylater.syf.com.

Pay Monthly: Your approved Loan amount was less than your requested purchase amount. The Initial Payment amount is the difference between your approved Loan amount and requested purchase amount. The Initial Payment is not part of your Loan balance, but it will be sent to the merchant and applied towards your purchase. Acceptable payment tenders for the Initial Payment are credit card or debit card.

Pay Monthly: If the Initial Payment is returned or cancelled after the loan has been opened, the amount of the Initial Payment will be added to the outstanding balance and will be subject to terms of the Loan contract, including that interest will be assessed on that added amount. The final payment on your Loan will include the remaining unpaid amount of the Initial Payment. The amount of your required monthly payment will not change.

No. Synchrony will not be issuing a card when this loan is opened because this loan is not a credit card.

Yes. Synchrony Pay Later is an installment loan, so it can only be used to finance the initial purchase for which it was opened. In addition, no card is issued when an installment loan is opened.

No. Synchrony Pay Later is an installment loan and can only be used to finance the original purchase for which it was opened. It cannot be used to finance additional purchases. If you would like to make additional installment loan purchases, you are welcome to apply for another loan at participating Synchrony merchants.

Yes, you can have multiple Synchrony Pay Later and/or other Synchrony loans, subject to credit approval.

Pay in 4: We do not offer e-statements or paper statements. When you sign up for Synchrony Pay in 4, you set up automatic payments, so you don’t need to do anything else. You will be reminded of an upcoming payment via email before your due date and the payment will be processed when the payment is due. Another message will confirm that we processed each payment by us. You can also view your transaction history online at paylater.syf.com.

Pay Monthly: We do not offer e-statements or paper statements. You will be reminded of an upcoming payment via email before your due date and the payment will be processed when the payment is due. Another message will confirm that we processed each payment by us. You can also view your transaction history online at paylater.syf.com.

You can review your transaction history online at paylater.syf.com.

To look up your loan number, navigate to your Synchrony Pay Later Welcome email from Synchrony Bank and click the “Look Up Account” button to find your account number.

Yes, we will check a credit bureau when determining your eligibility for this loan.

Applying for a Synchrony Pay Later product with four or less payments will not impact your credit score. Applying for a Synchrony Pay Later product with more than four payments may impact your credit score.

No, your Synchrony Pay Later installment loan does not have an annual fee.

The Synchrony Pay Later installment loan does not have an ATM/cash advance feature.

No, the APR on your Synchrony Pay Later installment loan was established in your loan agreement. The APR will not change.

Pay in 4: No, there are no late fees associated with this loan.

Pay Monthly: Yes, a late fee is assessed on late payments. The late fee amount will either be $25 or the amount of your scheduled payment, whichever is less.

No, the installment loan can only be used to finance the original purchase for which it was opened. If you would like to make additional installment loan purchases, you are welcome to apply for another loan at participating Synchrony merchants.

No. Cash advances are not a feature of this loan as it is a loan, not a credit card. Your installment loan can only be used to finance the initial purchase, for which it was opened.

No, your installment loan may only be used for the initial purchase, for which it was opened.

No. Joint and authorized user functionality is not supported. However, the loan holder may designate an authorized representative/power of attorney.

Several factors are taken into consideration when granting credit. If you believe that there may be incorrect information on your credit bureau report, you may contact the agency referenced in the letter.

No. There is no way to change the loan terms once the loan is accepted and completed. The loan terms are approved by you at the time of application and will remain in effect for the duration of the loan.

Pay in 4: Your Synchrony Pay in 4 loan has a 0% APR. There is no interest associated with this product.

Pay Monthly: The interest rate is based on a customer’s creditworthiness, length of term and other factors and can vary from 0-29.99% APR. You can choose from up to three loan terms at the time of approval. The APR and duration loan terms you select will remain in effect for the duration of the loan. You can find your interest rate and loan terms at paylater.syf.com.

There is no penalty or fee for prepayment of this loan in whole or in part.

A copy of the loan contract was provided at the time the loan was opened. To get another copy, please call customer service.

Pay Monthly: If we are unsuccessful in processing your Initial Payment, a Loan will not be opened for you. Please review your payment method details and confirm sufficient funds are available to cover the Initial Payment amount.

Pay in 4: All returns are subject to the merchant’s return and cancellation policy. You are still responsible for payments based on your original loan terms.

Pay Monthly: All returns are subject to the merchant’s return and cancellation policy.

Full Refund: If the entire purchase is returned to the merchant, it is considered a full return. The merchant will credit the loan balance with the purchase amount, which pays off the principal. If a full return is made within 45 days of the loan opening, you will receive a complete refund, including any interest paid on the loan. If a full return is made after the 45 days, you will receive a refund of the principal balance but not any interest paid.

Partial Refund: A partial return will reduce the principal balance. The remaining principal and interest (if applicable to your Pay Later loan) will still be due on your loan. As a result, you may pay off the loan sooner, depending on the size of the return.

All returns are subject to the merchant’s return and cancellation policy. If the entire purchase is returned to the merchant, it is considered a full return.

Pay in 4: All returns are subject to the merchant’s return and cancellation policy. You will be responsible based on the terms of your Synchrony Pay in 4 loan.

Pay Monthly:If a full return is made within 45 days of the loan opening, you will receive a complete refund, including any interest paid on the loan. If a full return is made after the 45 days, you will receive a refund of the principal balance but not any interest paid.

Pay Monthly: If there is a credit balance on the loan, a refund check will be sent to you automatically at 45 days. Alternatively, you can reach out to customer service to request the refund prior to that time.

Cancellations are subject to the merchant’s order cancellation policy. Please contact the merchant if you would like to cancel a transaction before receiving the item(s).

All issues with the goods or services should be referred first to the merchant for resolution.

Pay Monthly: If the amount of your Initial Payment exceeds the total purchase amount, we will provide you with a refund of the excess amount. The refund will be provided either to the original payment method or via check, at our discretion.

We take issues like this very seriously and are here to help. If you were not the individual who opened this loan, please reach out to our customer service team immediately for support.

No card is issued when a loan is opened. Consequently, there is no lost/stolen process as there is no card to lose or misplace.

No. There are no rewards on the Synchrony Pay Later loans.

Yes, at select retailers. Check in-store signage for more details.

Yes, at select retailers. Check in-store signage for more details.

While we do not currently offer a mobile app, we are always looking for ways to create a helpful customer experience for you, our customer. Stay tuned to our website for more exciting updates to come!

The Servicemembers Civil Relief Act (SCRA) provides certain benefits to active duty servicemembers and their spouses/domestic partners. For eligibility and enrollments, customers can call 866-694-6580.

Pay in 4:

Customer service: 1-855-945-3576

Pay Monthly:

Customer service: 1-844-373-4960