Synchrony Financing: How It Works

Home Zone has partnered with Synchrony to offer promotional financing on furniture purchases. The Home Zone Synchrony HOME Credit Card offers 12 to 48 months of promotional financing on qualifying purchases, with approval amounts up to $20,000. Apply in-store or online with two forms of ID, including one photo ID.

How to Apply

• Pre-qualify online at hzf.us/Synchrony with no impact to your credit score
  • If you choose to proceed with the full application, a hard credit check is required, regardless of approval
• Apply in-store with two forms of ID (including one photo ID)
  • A hard credit check is required to apply, regardless of approval

You will receive an instant credit decision with approvals up to $20,000. Synchrony reports to all three major credit bureaus (Experian, Equifax, and TransUnion)

Promotional Financing Options:

Home Zone offers two types of promotional financing through Synchrony. Available terms and minimum purchase amounts vary by promotion.

• Deferred interest with minimum payments: Make at least the minimum monthly payment. The remaining balance must be paid in full by the end of the promotional period to avoid interest charges.
• Deferred interest with equal payments: Your balance is split into equal monthly payments over the promotional period.

Note: A 5% down payment is required for 48-month promotional terms when available.

Current promotional offers are available in-store or at checkout on homezonefurniture.com. Terms and minimum purchase amounts may change with each promotion.

Account Details:

• No down payment required unless your purchase exceeds your approved credit limit or you are using a 48-month promotional term, which requires a 5% down payment
• Sales tax is included in the financed amount
• Credit limit increases can be requested (an additional hard credit check will be required)
• Paper billing fee: Synchrony charges $1.99 for paper billing. Enroll in electronic billing to avoid this fee.
• You will receive your Synchrony card in the mail approximately one month after your purchase, along with your first billing statement

Using Your Synchrony Card:

Your Synchrony HOME Credit Card can be used for future purchases at any Home Zone Furniture location. Activate your card when it arrives to access your remaining credit.

For account or payment questions, contact Synchrony directly at 1-866-419-4096.

Frequently Asked Questions:

Q: How do I apply for Synchrony financing? 

A: Apply in-store or online (https://hzf.us/synchrony) with two forms of ID, including one photo ID. You will receive an instant credit decision with approvals up to $20,000.

Q: Does applying affect my credit score? 

A: Pre-qualifying does not affect your credit score. However, if you proceed with the full application, a hard credit check will be required, regardless of whether you are approved.

Q: Do I need a down payment? 

A: No down payment is typically required unless your purchase exceeds your approved credit limit. The 48-month promotional term requires a 5% down payment when available.

Q: What promotional terms are available? 

A: Home Zone offers 12 to 48 months of promotional financing through Synchrony. Available terms and minimum purchase amounts vary by promotion. Check in store or at checkout on homezonefurniture.com for current offers.

Q: Who do I contact about my Synchrony account or payments? 

A: Contact Synchrony directly at 1-866-419-4096 for any account or payment questions.