Financing

Promotional Financing through Synchrony.

Expand your purchasing power with Promotional Financing through Synchrony.
Synchrony is one of the nation’s premier consumer financial services companies. Our roots in consumer finance trace back to 1932, and today we are the largest provider of private label credit cards in the United States based on purchase volume and receivables.
 
  • A simple application process, and fast credit decisions
  • Unsecured, revolving credit lines
  • Promotional financing options1
  • Convenient monthly payment options
  • Online account management
1Subject to credit approval. Minimum monthly payments required. See store for details.
For all promotions: Qualifying purchase must be made with your Home Design credit card issued by Synchrony Bank and a $29 account activation fee will apply and be charged at the time first purchase posts to account. For new accounts: Purchase APR is 26.99%; Minimum Monthly Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

If your application is approved, or, if you are an existing cardholder, the below promotional financing options may be available.

No Monthly Interest for 25 Months and fixed monthly payments equal to 4.00% of promo purchase amount – Until Paid in Full5

5No monthly interest will be charged on promo purchase and equal monthly payments are required equal to initial promo purchase amount divided equally by the number of months in promo period until promo is paid in full.  The equal monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase.  Regular account terms apply to non-promotional purchases.  For new accounts: Purchase APR is 26.99%; Minimum Interest Charge is $2. One-time Account Activation Fee of $29 charged at time first purchase posts to account. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

No Monthly Interest if Paid in Full Within 18 Months (Deferred Interest)6

 Monthly interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 18 months. Fixed monthly payments are required equal to 2.50% of the highest balance applicable to this promo purchase until paid in full. See below for additional information.

6No monthly interest will be charged on the promo purchase if you pay the promo purchase amount in full within 18 Months. If you do not, monthly interest will be charged on the promo purchase from the purchase date. Fixed monthly payments are required equal to 2.50% of the highest balance applicable to this promo purchase until paid in full. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Depending on purchase amount, promotion length and payment allocation, the required minimum monthly payments may or may not pay off purchase by end of promotional period. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases, except that the fixed monthly payment will continue to be required until the promo purchase is paid in full.

Reduced 5.99% APR and fixed monthly payments equal to 3.00% of promo purchase amount – Until Paid in Full5 

Estimated payoff period 37 months. See below for additional information.

5Monthly interest will be charged on promo purchases from the purchase date at a reduced 5.99% APR, and fixed monthly payments are required equal to 3.00% of initial promo purchase amount until promo is paid in full. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase.  Regular account terms apply to non-promotional purchases.

Reduced 7.99% APR and fixed monthly payments equal to 2.00% of promo purchase amount – Until Paid in Full4 

Estimated payoff period 47 months. See below for additional information.

4Monthly interest will be charged on promo purchases from the purchase date at a reduced 7.99% APR, and fixed monthly payments are required equal to 2.00% of initial promo purchase amount until promo is paid in full. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase.  Regular account terms apply to non-promotional purchases.

Reduced 9.99% APR and fixed monthly payments equal to 1.25% of promo purchase amount – Until Paid in Full3

Estimated payoff period 132 months. See below for additional information.

3Monthly interest will be charged on promo purchases from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required equal to 1.25% of initial promo purchase amount until promo is paid in full. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase.  Regular account terms apply to non-promotional purchases.

Financing Your Home Project

0% Down. 0% Interest.

Start Now. Pay Over Time.

Your home project doesn’t have to wait.
With flexible financing options, you can move forward today and pay over time, without the upfront burden.

Whether you’re planning a kitchen, bathroom, or a bigger project, financing makes it easier to bring your vision to life.

Build Without Compromise

Financing gives you the flexibility to do more, not less.

Start your project sooner

Upgrade materials and design without scaling back

Spread payments over time

Preserve cash while improving your home

This isn’t about spending less. It’s about building the space you actually want.

How It Works

A simple, straightforward process designed to get you moving quickly:

  1. Apply
    Complete a short application in minutes.
  2. Get a Decision
    Receive a fast approval response.
  3. Start Your Project
    Move forward with design, material selection, and installation.

Projects You Can Finance

Financing is available across a wide range of home upgrades:

  • Kitchen renovations
  • Bathroom remodels
  • Flooring  and cladding
  • Countertops and stone surfaces
  • Fireplace surrounds
  • Outdoor kitchens and living spaces

If you’re improving your home, financing can support it.

Why Homeowners Choose Financing

Many homeowners use financing not because they have to, but because it gives them flexibility.

Avoid large upfront payments

Move forward when timing matters

Take advantage of current pricing and availability

Complete projects before peak seasonal demand

Trusted Financing Partner

Financing is provided through a trusted third-party partner, offering secure and reliable options designed for home improvement projects.

Our team will guide you through the process and help you understand the options available to you.

Take the Next Step

Your project is already planned. Financing helps you move forward.

Important Information

Subject to credit approval. Terms and conditions apply. Financing options, including promotional offers such as 0% interest, may vary based on eligibility and program details.

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Note: This coupon code is limited to 1 use per person.

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