Get ready for a more convenient payment experience.
Your transition to Synchrony Pay Later is happening soon.
When will the transition be?
The transition to Synchrony Pay Later takes place on June 29, 2025.
You can unlock features like payment tracker, AutoPay setup, loan payment alerts and more on this new servicing platform.
For now you’ll continue to manage your account and make payments the way you’re used to.
Make a paymentWhat to expect when you transition to Pay Later
Our easy-to-navigate online experience allows you to manage multiple loans in one place, stay on track with payments, and review account details.
We make enrolling in our user-friendly online experience easy. View your loan statement for instructions on how to set up your online account and log in.
Enroll in AutoPay to eliminate the hassle of keeping up with payment due dates.
Customize your account settings and personal preferences. Manage your alerts, reminders, and view account details at your convenience.
FAQs
Have questions? We have answers.
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Yes, once transitioned to Synchrony Pay Later, you’ll use your phone number and last four digits of your Social Security number to login into the Pay Later portal.
- No. At this time, you can't combine your Synchrony installment loan account with your other Synchrony accounts. Please visit customercare.syf.com to manage your account.
Payments prior to the transition to Synchrony Pay Later
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If you have question about your online account, billing, or payments, call us at 1-888-568-0186 Monday – Saturday, 8 am – 10 pm ET.
- Yes. You can make payments over the phone by calling us at 1-888-568-0186 Monday – Saturday 8 am – 10 pm ET or with a new Synchrony installment loan online account.
- Not at this time. Please visit customercare.syf.com to access your online account.
- Debit card loan payments can be made online, or over the phone. At this time, we do not accept credit card loan payments. To make an online debit card payment: log in to customercare.syf.com, then select Payment. From here, you can use your debit card to make a one-time payment or set up AutoPay. You can make a debit card payment over the phone by calling us at 1-888-568-0186 Monday – Saturday, 8 am – 10 pm ET
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When you transition to Pay Later on June 29, you will need to take action to set up payment including re-enrolling in Autopay. For now, you can set up AutoPay either online or over the phone, using a debit card, checking account, savings account, or automated clearing house (ACH).
To set up AutoPay online:
Log in to customercare.syf.com, then select Payments, then Schedule AutoPay.
To set up AutoPay over the phone:
Call us at 1-888-568-0186 Monday–Saturday, 8 am– 10 pm ET.
- To make online payments, set up your new online account. Enroll in AutoPay, customize payment alerts, and go paperless.
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Yes. Mail your payment to:
Synchrony Bank
Attn: PO Box 653074
Dallas, TX 75265-3074