Help turn home furnishings interest into closed sales with consumer financing

Financing from Synchrony helps your customers buy the furniture and appliances they actually want, while you get paid up front.

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A customer and furniture specialist exploring a sofa in a showroom

Selling with Synchrony

The Synchrony HOME Credit Card lets your customers finance furniture, appliances, and home upgrades in a single account, giving them more buying power and helping your store drive stronger sales.

76%

of consumers surveyed agree that financing makes larger purchases more affordable.1

68%

of consumers surveyed say financing had a major influence on their decision when it came to completing a purchase.1

90%

of consumers surveyed agree that retailers should provide clear information on financing options early in the purchase process.1

Tailored payment solutions built for your corner of the home furnishings market

Whether you sell sofas or smart TVs, the right financing solution depends on your customers and your business. Explore what's available for your industry and connect with a Synchrony expert to find the right fit.

Furniture specialist helping a customer choose a sofa

Furniture

Furniture customers have a vision for their space. Financing helps them bring it to life, removing the price barrier between them and the pieces they actually want.
Bigger carts, higher tickets

Flexible financing helps make it easy for customers to furnish their dream home.

Keep customers coming back

A dedicated card keeps your store top of mind between visits.

Stand out with better terms

Offer promotional financing options home furnishings customers actively look for.

Synchrony HOME Credit Card

As a Synchrony HOME partner, you can:

  • Access more than 4 million cardholders
  • Accept all Synchrony HOME cards, with no new applications required
  • Offer promotional financing ranging from 6–60 months*
  • Get listed on the Synchrony HOME Merchant Locations page to attract nearby cardholders
Synchrony HOME credit card

What's the Value of Synchrony?

Enter your ZIP code to see how many cardholders and how much available credit is in your area.

Range:

 

Get up and running fast

After your application is approved, you can start offering Synchrony financing to your customers quickly, with a setup process that outpaces most competitors.

Plan your pricing with confidence

Merchant fees vary by program and financing terms. The Cost of Credit Calculator makes it easy to estimate yours and factor it into your pricing.

A simple, fast application for your customers

Customers can apply in-store at the point of sale or online. With near-instant credit decisions, the financing conversation doesn't slow down the transaction.

Built for businesses across Home Furnishings

From furniture stores to electronics and appliance retailers, Synchrony has a financing product designed for your type of business.

See the success of businesses like yours

"I would hands down recommend Synchrony to any of my colleagues. If you are not offering financing, you are missing a big piece of the puzzle. This has helped my consumers feel comfortable spending on a larger ticket, which helps our business."

Sandon N., Sleep on It, Harrisonburg, VA

"Having Synchrony has been extremely helpful to our business. We are expanding our locations because the impact that Synchrony has had on our business."

Ricardo T., Global Mattress, Guayama, PR

How it works

You're never on your own. Get the training, marketing materials, and business management tools to help you grow, all available through Synchrony.
And when you have questions, our customer support team has your back.

  1. Fill out the form and we will get in touch

    Work with an industry expert to tailor a plan that fits your business and customers.

  2. Set up your program in Business Center

    If approved and training is complete, access your program management tools for your whole team.

  3. Customers apply

    Get simple and fast credit decisions to help you close the deal.

  4. Get paid fast

    While your customer pays over time, your business is paid within two business days.

Get in touch. Succeed with us.

We'll tailor a plan together.

* denotes required field.

1Synchrony's 2025 Major Purchase Journey Study

*Subject to credit approval. Minimum monthly payments required. See dealer for details and additional financing offers.