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Help increase sales and build loyalty.

With Synchrony, your customers can get what they really want and pay over time.*

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87%

of our cardholders say financing made their large purchase more affordable.'

Financing can help your salespeople win business.

"Some customers would've walked out the door had we not had the credit. There are times when customers need financing; sometimes getting approved is the only way they will make a purchase."

- Smyth Jewelers

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68%

indicate they are likely to use their card again in the future.'

How consumer financing works

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Your salesperson mentions financing to customers as they select the product/service that's right for them.

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Your customers apply and get a credit decision instantly.

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Approved cardholders can purchase with financing, and your customers will receive a card in the mail that can help you drive repeat business.

It's simple. Your business goals are our priority.

Advertising made easy

With easy-to-use tools in our Advertising Center, you can help drive traffic for you business and keep customers coming back for more.

OFFER FINANCING WITH SYNCHRONY
Training that maximizes your time

With Learning Center, you can build everyone's skills-from new hires to experienced pros. Ramp up your team in record time.

LEARN MORE ABOUT TRAINING
Quick and simple applications and transactions

With Business Center, you can quickly access sales and operations tools, making it easy to manage your financing program.

EXPLORE BUSINESS CENTER
We serve a range of industries, each with a specialized team dedicated to your success.
VIEW INDUSTRIES
We've been putting our experience in retail financing to work since 1932.
EXPLORE OUR HISTORY

Offer your customers Synchrony financing. GET STARTED TODAY

We work with thriving businesses across a broad range of markets and industries.

Ready to talk?

It's easy to learn how Synchrony can help your business grow and thrive.

Provide a few quick detail today and we'll give you a call..

GET STARTED TODAY

Help build trust, loyalty and repeat business with the Synchrony Car CareTM credit card.

Home Design Card

Financing can help your customers get the repairs, maintenance, tires, wheels, parts and accessories (and more!) they want and need.

  • Show your customers you care for them, their cars and their safety.
  • Create loyalty that translate to repeat customers.
  • Build trust as their preferred service adviser.

As a merchant in the Synchrony Car Care Network, you'll enjoy:

  • Millions of Synchrony Car care cardholders with the ability to finance their car care needs have access to your business*
  • Higher repeat transactions per customer compared to other tender types, leading to more loyal customers.
  • A merchant discount rate on core transaction that is often lower than traditional bankcards rates.

The Synchrony Car Care credit card helps drive business like yours to greater success.

  • Keeping your customers on the road with the Synchrony Car Care credit card helps keep them coming back to you when they need service and repairs. The Synchrony Car Care credit card can also be used to purchase gas at over 200,000 gas stations nationwide.
Home Design Card

*Subject to credit approval.
^2015 Synchrony Program Data, July YTD.
℩NADA 2014 Annual Financial Profile Data of America's Franchised New Car Dealerships Per Customer Total Service and Parts Sale.
Subject to credit approval. Valid everywhere Synchrony Car Care is accepted in the U.S., including Puerto Rico. Gas purchase are not eligible for Promotional Financing.

Home Design Card

Financing can help your customers get the tires, service, parts and accessories they need to stay on the road and pay over time.

  • Attract more owner-operators to your shop.
  • Help reduce payment concerns.
  • Create trust and drive repeat business among owner-operators with a revolving credit line they can use again and again.

As a shop in the Synchrony Car Care Network, you’ll enjoy:

MORE REPEAT PURCHASES

  • Synchrony Car Care cards are kept top of wallet because they can be used for everyday truck repair/maintenance purchases.

CREDIT DECISIONS AND LARGER TICKETS

  • Our underwriting is customized to the trucking industry and includes instant credit decisions and credit limits up to $10,000.

ADVERTISING/PROMOTION

  • Free POP materials to help you promote the Truckers Preferred credit card in your shop Our Business Locator to help advertise your business to more than 3 million cardholders* so those in your area know they can use their card at your shop!
Home Design Card

*August 2018 Synchrony Program Data
^Synchrony Program Actuals, June 2018
1NADA Full Year Review, June 2018
†Subject to credit approval. Valid everywhere Synchrony Car Care is accepted in the U.S., including Puerto Rico. Gas purchases are not eligible for promotional financing.

The Truckers Preferred credit card helps keep your business and your customers rolling.

  • Keeping owner-operators and their trucks on the road helps keep them coming back to you when they need service and repairs. The Truckers Preferred credit card can also be used to purchase gas at over 200,000 gas stations nationwide.**

Financing can help your customers get the vehicle, parts, accessories and upgrades they want and need to create the ultimate off-road experience.

  • Offer customers a credit limit that helps make large purchases more affordable.
  • Provide a convenient payment option to help them pay off purchases over time.
  • Equip them with a card that allows them to return for the next upgrade.

As a shop in the Synchrony Car Care Network, the program could help you achieve:

  • Differentiated customer service
  • More closed sales
  • Larger average ticket sizes
  • Greater customer loyalty and repeat business
Home Design Card

^Synchrony Program Actuals, June 2018
1NADA Full Year Review, June 2018

The Synchrony Car Care credit card is a tool for building.

  • The right parts and accessories are important to a customer who’s building the ultimate off-road experience. More sales, larger tickets and repeat purchases are important to you as you build a successful business.

Financing can help your customers get the vehicle, parts, accessories and upgrades they want and need to create the ultimate off-road experience.

  • Show your customers you care for them, their cars and their safety.
  • Create a trusted reputation and loyalty that translates to repeat customers.
  • Build trust in your expertise of the dealership brand to become their preferred service provider.

As a merchant in the Synchrony Car Care Network, you’ll enjoy:

  • Millions of Synchrony Car Care cardholders with the ability to finance their car care needs have access to your business.*
  • Higher repeat transactions per customer compared to other tender types, leading to more loyal customers.
  • A merchant discount rate on core transactions that is often lower than traditional bankcard rates.
Home Design Card

*Subject to credit approval.
^Synchrony Program Actuals, June 2018.
1NADA Full Year Review, June 2018.
†Subject to credit approval. Valid everywhere Synchrony Car Care is accepted in the U.S., including Puerto Rico. Gas purchases are not eligible for promotional financing.

The Synchrony Car Care credit card helps drive businesses like yours to greater success.

  • Keeping your customers on the road with the Synchrony Car Care credit card helps keep them coming back to your dealership when they need service and repairs. The Synchrony Car Care credit card can also be used to purchase gas at over 200,000 gas stations nationwide.†

Help build loyalty and repeat business with financing solutions for consumer electronics and major appliances.

Synchrony makes it easy and convenient for your customers to purchase the electronics and appliances they need today—or upgrade to what they really want.

  • Build trusted relationships by meeting customers’ needs and budgets.
  • Create loyalty and drive repeat business with flexible payment options.
  • Generate higher tickets by giving customers a credit line at your store.

Today’s consumers do a lot of research before making big-ticket purchases.

Consumer electronics shoppers may spend 54 days researching purchases and visit your store three times before purchasing.1

83% of electronics shoppers start with online research.1

1 Fourth Annual Major Purchase Consumer Study, Electronics Industry, June 2015

79%

of cardholders always seek promotional financing options when making a major purchase.1

Share more of your expertise and help customers purchase the quality products you recommend.

FINANCING SOLUTIONS

You’ve made a commitment to “Get It Right, Every Time.” We understand this commitment is the foundation of your success, and we can help you:

  • Build trusted relationships by providing flexible financing options so homeowners can get the ideal flooring for their project
  • Provide expert advice for each customer’s unique needs and budget
  • Enhance your reputation by helping customers with financing to complete projects the right way
  • Together we’ll provide trusted solutions and great flooring. Because getting it right really matters

By offering flexible payment options, you give potential customers a compelling reason to choose your business.

  • 57% said they planned to use their card again*
  • 39% said they would not have made the purchase, or would have gone to another merchant, if financing wasn’t available**
  • Over a one-year period, 19% made repeat purchases, averaging a total spend of $1,533***
  • Customers with a separate credit line at your store on average spent 64% more compared to those paying with traditional bankcards*

*2014 Synchrony Major Purchase Study Industry, Flooring
**Fourth Annual Major Purchase Consumer Study, Flooring Industry, June 2015
***Synchrony Analytics, Flooring (Oct. 2013 – Sept. 2014)

1%

 

Help patients feel good, look good and take good care of their families with the most trusted name in the industry.

FINANCING SOLUTIONS

CareCredit from Synchrony is a leader in patient care financing—helping millions of people afford healthcare services each year with payments that fit their monthly budget.

We offer financing options that cover a variety of treatments and procedures with providers of dental, hearing, vision, dermatology, cosmetic, chiropractic, veterinary care and more.

Find out more about CareCredit and how to offer financing to your patients.

Get Started

Build trust and loyalty with Synchrony Home Design Credit Card.

FINANCING SOLUTIONS

Offering your customers the Home Design Credit Card can help you:

  • Enable consumers to buy products they really need and want
  • Increase sales opportunities and sell larger projects
  • Attract more consumers and broaden your customer base
  • Create consumer loyalty and repeat business

By offering flexible payment options, you give potential customers a compelling reason to choose your business.

  • Home improvement cardholders used the additional funds available with financing to upgrade/add features, pay for installation or to buy a more expensive model/version*
  • 89% of cardholders say financing makes large purchases affordable**
  • 44% said they would not have made a major purchase, or would have chosen another merchant, if financing had not been available***

*2014 Synchrony Major Purchase Study Industry, Flooring
**Fourth Annual Major Purchase Consumer Study, Flooring Industry, June 2015
***Synchrony Analytics, Flooring (Oct. 2013 – Sept. 2014)

*Source: 2014 Annual Major Purchase Shopper Study conducted by a third party for Synchrony Financial

Engage with us. Sell more and higher-end furnishings today.

FINANCING SOLUTIONS

Offering your customers a financing program can help you:

  • Create loyalty and drive repeat business with smart financing solutions to fit customers’ budgets
  • Generate higher tickets by giving your customers their own credit line at your store
  • Build trust in your expertise as their preferred retailer

Consumers do a lot of research before making big ticket purchases.

  • 76% of cardholders always seek promotional financing options when making a major purchase**
  • 46% of cardholders would choose another retailer or not make the purchase if a financing promotion was not available**

*2014 Synchrony Major Purchase Study Industry, Home Furnishings
**Fourth Annual Major Purchase Consumer Study, Furniture Industry, June 2015
***2014 Synchrony Major Purchase Study Industry, Furniture

Furniture shoppers spend 85 days on average researching their major purchase, including both online and in-store research*

Offering your customers the Home Design Credit Card can help you:

FINANCING SOLUTIONS

Offering your customers the Home Design Credit Card can help you:

  • Enable consumers to buy products they really need and want
  • Increase sales opportunities and sell larger projects
  • Attract more consumers and broaden your customer base
  • Create consumer loyalty and repeat business

By offering flexible payment options, you give potential customers a compelling reason to choose your business.

  • Home improvement cardholders used the additional funds available with financing to upgrade/add features, pay for installation or to buy a more expensive model/version*
  • 89% of cardholders say financing makes large purchases affordable**
  • 44% said they would not have made a major purchase, or would have chosen another merchant, if financing had not been available***

*2014 Synchrony Major Purchase Study Industry, Flooring
**Fourth Annual Major Purchase Consumer Study, Flooring Industry, June 2015
***Synchrony Analytics, Flooring (Oct. 2013 – Sept. 2014)

Help make the jewelry of their dreams fit their budgets, with a line of credit dedicated to bringing true luxury within reach.

FINANCING SOLUTIONS

Offer the Synchrony Luxury Card and create a lasting relationship with your customers. A dedicated luxury card can increase sales and deliver other important business benefits:

  • Help create loyalty and drive repeat business with smart financing solutions to fit your customers’ budgets.
  • Help generate higher tickets by giving your customers their own dedicated credit line at your store.
  • Help build trust in your expertise as their preferred retailer.

Did you know…

  • Jewelry shoppers may spend on average 93 days researching purchases and usually visit four unique retailers before making their purchase*
  • 72% of random shoppers go to a retailer’s website and 29% look for financing information on a retailer’s website*
  • 77% of Synchrony cardholders chose the retailer with financing available for their purchase**

*Fourth Annual Major Purchase Consumer Study, Fine Jewelry Industry, June 2015
**2014 Synchrony Major Purchase Consumer Study

*Source Synchrony Luxury Program Actuals Report

Help customers pursue their passion for music, with a line of credit as dedicated as they are.

FINANCING SOLUTIONS

Offering your customers promotional financing with Synchrony can help you:

  • Create loyalty and drive repeat business with smart financing solutions to fit your customers’ budgets
  • Generate higher tickets by giving your customers their own dedicated credit line at your store
  • Build trust in your expertise as their preferred retailer

Did you know…

  • 88% of music cardholders say financing made their large purchase more affordable*
  • 76% said they would consider promotional financing if it meant they could take their purchase home the same day*
  • Music Cardholders spent $648 more, on average, than non-cardholder music shoppers**
  • Over a one-year period, 39% made repeat purchases**

*Fourth Annual Major Purchase Consumer Study, Fine Jewelry Industry, June 2015
**2014 Synchrony Major Purchase Consumer Study

*Source Synchrony Luxury Program Actuals Report

Give customers the power to complete any job.

FINANCING SOLUTIONS

Offering your customers promotional financing with Synchrony can help you:

  • Create loyalty and drive repeat business with smart financing solutions to fit customer’s budgets
  • Generate higher tickets by giving your customers their own credit line at your store
  • Build trust in your expertise as their preferred retailer

We offer revolving and installment loans to both individuals and businesses for new and used power equipment. Our financing programs offer:

  • Convenient online application processing and contract preparation
  • Advertising and marketing support
  • Free webinar training sessions and on-demand online training
  • Free point of purchase promotional material
  • A complete menu of promotions and flexible terms

Did you know…

  • 80% of shoppers start their research online*
  • 87% of cardholders say financing makes large purchases more affordable*
  • 56% said they would not have made a major purchase, or would have chosen another merchant, if financing had not been available*

*2014 Synchrony Major Purchase Study, Outdoor Power Equipment

OPE customers spend as many as 66 days researching purchases and may visit a dealer more than four times before making their purchase*

Put customers in the driver’s seat with powerful credit options to help them bring home the powersports merchandise they really want.

FINANCING SOLUTIONS

Offering your customers installment loans with Synchrony, which can be used for the purchase of new or used powersports products, can help you:

  • Create loyalty and drive repeat business with smart solutions to fit customer’s budgets
  • Generate higher tickets
  • Build trust in your expertise as their preferred dealer

Offer your customers our installment loans to purchase new or used powersports products. Our financing programs offer:

  • Convenient online application processing and contract preparation
  • Expert underwriting team to help you through the application process — fast credit decisions
  • Easy online access to customer lists
  • Access to training videos and marketing tools to boost your business

Did you know…

  • 86% of shoppers start their research online*
  • 76% of survey responants who financed their powersport purchase with a dealer say financing makes large purchases more affordable*
  • 56% said they would not have made their purchase, or would have chosen another merchant, if financing had not been available*

*2014 Synchrony Major Purchase Study Industry, Powersports

Powersports customers may spend as many as 86 days researching purchases and may visit a dealer more than three times before making their purchase*

Save money and keep customers coming back, with a dedicated line of credit to help your customers get the equipment they really want and need for their homes and hobbies.

FINANCING SOLUTIONS

  • Drive sales, build customer loyalty, and increase repeat purchases
  • Non-recourse protection from in-store consumer fraud*
  • Dedicated retailer service and support
  • Manage all your financing needs, including reporting, marketing and training

*Subject to any chargeback rights in the Synchrony Bank Merchant agreement and compliance with Synchrony operating procedures.

Did you know…

  • 80% of major purchase shoppers start with online research*
  • 75% of our cardholders surveyed always seek promotional financing when making a major purchase*
  • 89% of our cardholders say financing makes large purchases more affordable*
  • 45% said they would not have made a major purchase, or would have chosen another merchant, if financing had not been available*

*Fourth Annual Major Purchase Consumer Study, Fine Jewelry Industry, June 2015

Repeat purchases on average are 29% higher over time.
*Source: Synchrony Major Purchase Consumer Study

Outfit customers with great gear by offering them financing options that make it easy to score the merchandise they really want.

FINANCING SOLUTIONS

Offering your customer promotional financing with Synchrony is proven to help you:

  • Create loyalty and drive repeat business with smart financing solutions to fit customers’ budget
  • Generate higher tickets by giving your customers their own dedicated credit line at your store
  • Build trust in your expertise as their preferred retailer

Did you know…

  • 92% of Fitness cardholders say financing made their large purchase more affordable**
  • 55% said they wouldn’t have made the purchase, or would have gone to another merchant, if financing weren’t available**
  • 76% said they would consider promotional financing if it meant they can bring their purchase home the same day**
  • 55% said they planned to use their card again**

*Synchrony Internal Data
**2014 Synchrony Major Purchase Study Industry, Fitness

*Source: Synchrony Internal Data - Sport Programas (Oct.2013 - Sept.2014)

The Synchrony HOME Credit Card Program makes it easier than ever for customers to purchase what they want and need for their home, from a network of retailers, Your store can now be part of this network!

Home Design Card

ONE CARD FOR EVERYTHING FOR THE HOME

  • As a Synchrony HOME retailer, you’ll have access to a large network of cardholders that can buy from you and take advantage of your promotional financing and special offers.

The Synchrony HOME Credit Card Program gives you access to:

Millions of cardholders and their buying power that helps them get what they want and need for their home.

Offer promotional financing with more time to pay to help cardholders create their dream home, right now!

Synchrony marketing to help drive cardholders to your store as well as promote special offers you provide.

Maybe that’s why thousands of merchants now offer and accept
the Synchrony Home credit card to help their customers
realize the home of their dreams.

The number of Synchrony HOME cardholders countinues to grow. That's millions of cardholders that can locate and shop at your store!

Home Design Card
Home Design Card
  • Take a look and see what consumers see when they explore the Synchrony HOME Network at mysychrony.com/home.

*Subject to credit approval
Credit is extended by Synchrony Bank

Home Design Card

ONE CARD FOR EVERYTHING FOR THE HOME

  • With just one card and a Business Locator at mysynchrony.com/home, customers in your area can easily locate your store and get everything they need for their home.
Card Holder Benefits
  • The Synchrony HOME Credit Card offers more than promotional financing in a single purchase. It’s a card that can be used again and again every day in a network of thousands of retailers nationwide to manage home purchases.*
  • Accepted at 15,000+ retail locations, in store and online—with cardholder-only special sales offers, events and savings from participating retailers and manufacturers
  • A dedicated credit limit for home purchases* (flooring, furniture, appliances, electronics and more), with the buying power to get what customers want and need for their home
  • Promotional financing offers ranging from 6 to 60 months**, available at participating retailers, with convenient monthly payments
  • Online account management and customer service

The number of Synchrony HOME cardholders countinues to grow. That's millions of cardholders that can locate and shop at your store!

Home Design Card
Home Design Card

* Subject to credit approval.
** Subject to credit approval. Minimum monthly payments required. Promotional financing offers available at time of purchase may vary by location. See store for details.
^ For new accounts: Purchase APR is 29.99%; Minimum interest charge is $2.
1 FICO® Scores are available by accessing the online account servicing site at mysynchrony.com. Scores are available online only to primary cardmembers with an open account. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

Start the financing conversation.

Provide a few quick details today and we'll give you a call.

To speak to someone immediately, call us toll-free at 1-844-866-8014, Mon-Fri, 8 AM to 8 PM ET.
(Please have your Tax ID and banking information available.)

Have questions? We have answers.

What is a store credit card?

Customers can apply while in your store or online. A private label credit card (PLCC)—with your store name printed on it—lets customers finance major purchases.*

How much does it cost?

Customers pay nothing to apply for the card. Your pricing is based on the financing promotions you choose to offer. Our competitive rates help you make the most of every sale.

How can I get started?

We make it easy to start offering financing. You'll get an initial training session and can access more training any time. We also provide how-to videos and online courses, plus you can contact our Client Services team as needed.

OFFER FINANCING WITH SYNCHRONY

What promotions can I offer customers?

Once you're a Synchrony partner, you can offer customers a choice of Deferred Interest and Reduced Rate/Fixed Pay financing options to meet their needs.

Will my customers pay interest charges?

With "Deferred Interest" financing, they will not pay interest on their promotional purchase if they pay their balance in full within the agreed-to promotional period.

Customers who select a "Reduced Rate/Fixed Pay" promotional financing option will pay interest at a reduced rate on the promotional purchase.

Have more questions?

Call us at 1-866-838-0655 and we'll answer any questions you may have.