Give Customers More Ways To Pay.


Customers love having options—especially when it comes to payments. Synchrony Pay Later gives you the power to offer more—from our shortest 6-week, Pay in 4 offer to our longer-term, Pay Monthly offers up to 84 months.**

More choices.
More opportunities.

Synchrony Pay Later enables your customers to make purchases today and pay over time in predictable equal payments.

  • Pay in 4
  • $40-$500
  • No interest, no fees, 0% APR
  • 4 equal payments over 6 weeks
  • First payment due at time of purchase
  • Pay Monthly
  • $500+**
  • APRs range from 0%-29.99%
  • Equal monthly payments (3-84 months term)**
  • No payment due at time of purchase

Pay Later can help power more…

FOR CLIENTS

  • New customer acquisitions
  • New demand from existing customers
  • Flexible financing choices throughout the customer journey
  • Simple and seamless integration

FOR CUSTOMERS

  • Purchasing power with more choices in financing
  • Predictable payments, making budgeting easier
  • Simplified application and immediate credit decision

It’s easy to let your customers enjoy now and pay later.

Synchrony Pay Later is easily integrated into your product landing page and shopping cart. Customers simply select Synchrony Pay Later on the checkout page and fill out a few fields of information. If approved, all they have to do is review their offer and accept the terms to complete their purchase.

 

Customers then make equal payments until the loan is paid in full and automatically closed.

1 in 3

More than one-third of shoppers say they are more likely to seek out alternative financing options now vs. two years ago.*

*Synchrony Major Purchase Study, 2021

**Note: Refer to your rate sheet for available term lengths