Give Customers More Ways To Pay.

Pay Later is a simple and flexible way for customers to finance purchases with predictable, equal payments over a set period of time.

Synchrony Pay Later is a single-purpose installment loan solution that can help drive long-term loyalty with a new segment of consumers looking for increased flexibility and simplicity. Synchrony Pay Later solutions help you grow your business by offering consumers more ways to pay and attracting new customers who are seeking flexible, budget-friendly payment alternatives to buy what they want today, and pay over time with options ranging from 4 interest-free payments over 6 weeks or longer-term payment options ranging from 3 to 84 months. Customers can have several Pay Later loans open simultaneously in addition to a Synchrony credit card, all subject to credit approval, and each Pay Later loan is automatically closed once it is paid in full.

A Pay Later loan is easy to understand and manage—our short application features a simple integration for our partners, and results in quick decisions for your customers. It also features a convenient digital experience, competitive interest rates, no application fee, no servicing fee, no annual fee and no early payoff penalties. Our Pay Later loan offers complement your revolving credit products to give your customers more ways to pay, which can help you approve and convert more customers. Consumers can rely on the quality of service they’ve come to enjoy from Synchrony thanks to our helpful customer service agents.

If you already offer Synchrony financing, contact your Synchrony Relationship Manager. If you’re new to Synchrony, fill out the form below to get started.