More Time to Shine Now with Synchrony Pay in 4
MORE TIME
TO SHINE NOW
WITH SYNCHRONY PAY IN 4
- Buy now, pay in 4 equal payments over 6 weeks² for purchases between $99 - $500
- No interest - no hidden fees
- Predictable and transparent payments
- No ongoing commitment once paid in full
- Buy now, pay in 4 equal payments over 6 weeks² for purchases between $99 - $500
- No interest - no hidden fees
- Predictable and transparent payments
- No ongoing commitment once paid in full
INTEREST FREE SIMPLE AND
FLEXIBLE PAYMENT OPTION
INTEREST FREE SIMPLE AND FLEXIBLE PAYMENT OPTION
APPLY
Scan QR code or ask an associate in-store for the quick application with an instant decision.
TAKE IT HOME
Make an initial payment &
take your jewelry home today.
WHY PAY IN 4
WITH SYNCHRONY
WHY PAY IN 4 WITH SYNCHRONY
PREDICTABLE PAYMENTS
4 equal payments over 6 weeks
- 25% of purchase due at checkout.
- Remaining 3 payments are made every 2 weeks through automatic payments.
INSTANT DECISION
Apply now for an instant decision. Approvals for purchases between $99 and $500 are valid for 7 days.
NO INTEREST
There's no interest or hidden fees.
SOFT CREDIT CHECK
You will have a credit check, but it will not impact your credit bureau score.
FAQS
FAQS
What is Synchrony Pay in 4?
Pay in 4 is a single-use installment loan for in-store purchases from $99 to $500. It gives you the power to make purchases today and pay them off over time in predictable, equal payments. Pay in 4 is available in stores only.
What is needed to apply?
- Must be 18+ years (19 in AL)
- Valid social security number or ITIN
- Valid phone number and email
- Credit or debit card
Is there a credit check?
Yes, Synchrony will perform a "soft" credit check at the credit bureau when determining the customer's eligibility for this loan. It will not impact your credit bureau score.
Can I use for an online purchase?
At this time, Pay in 4 is only available for in-store purchases.
What is the payment schedule?
The first payment (25% of total amount) is due at checkout. Remaining 3 payments are made every 2 weeks.
Can I make a payment in-store?
No. You set up auto payments on your loan when you applied for the loan. You will be reminded of an upcoming payment via email before the payment is due. You will receive another message confirming that each payment was processed by Synchrony.
Can I make additional purchases using my current Pay in 4 loan if I was approved for more than my purchase amount?
No. Synchrony Pay in 4 is an installment loan and can only be used to finance the original purchase for which it was opened. You may apply for additional Pay in 4 installment loans to use for future purchases if offered at checkout.
What if I miss a payment?
A payment not made by your due date would cause your loan to be in default. If you have a hardship and need help making a payment, please contact us to discuss your situation with a representative at 1-855-945-3576.
Account inquiries or assistance?
Contact Synchrony Customer Service at 1-855-945-3576 or paylater.syf.com.
Will I get a card?
No. Synchrony will not be issuing a card when this loan is opened because this loan is not a credit card. You will receive a barcode after you are approved to show the associate to complete the transaction.
TERMS & CONDITIONS
TERMS & CONDITIONS
²Subject to credit approval. Synchrony Pay Later installment loans are provided by Synchrony Bank. Offer available in-store only on purchases of $99 to $500 (including shipping and taxes).