Promotional Financing Payment Estimator

Financing can help you pay for a big purchase with manageable monthly payments.  This calculator will estimate your monthly payments based on the amount you’d like to finance and the promotional financing offer you choose.

Please note: The promotional financing option you choose may not be offered by all retailers that accept Synchrony Bank issued credit cards.  Please check with the retailer to find out which promotional financing options are offered for your purchase

Financing Amount
What type of promotion?

For example: 24 Months Interest Free Financing/ No Interest until paid in full/ 0% Interest for 24 Months.

No 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% or 29.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

For example: 9.99% APR for 48 Months/9.99% APR until paid in full.

A reduced APR will be charged on the promotional purchase from the purchase date and fixed monthly payments are required equal to a percentage of the promotional purchase amount, which percentage will be based on the reduced APR and the length of the promotional period, until the promotion 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. For new accounts: Purchase APR is 26.99% or 29.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

For example: No Interest if paid in full within 12 Months/ No Interest if paid in full by Sept. 2020.

On Purchases with your Synchrony Bank credit card made during the promotional period. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum Monthly Payments required.

No interest will be charged on the promotional purchase if you pay the promotional purchase amount in full within the applicable promotional period. If you do not, interest will be charged on the promotional purchase from the purchase date. 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 balance. For new accounts: Purchase APR is 26.99% or 29.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

Promotional period
The length of the promotion
The length of the promotion
The length of the promotion
The promotional Annual Percentage Rate used to calculate the monthly payment.
Amount Financed
Promotion Type
Promotional Period
Monthly Payments of:
$
For:
Total Cost:

Optional Equal Monthly Payments :The Optional Equal Monthly Payments shown above may be greater than the required minimum monthly payment that will be on your billing statement when you use this Promotion Type. These payments:

  • Equal the Amount Financed (excluding taxes and shipping charges) divided by the number of months in the Promotional Period.
  • Would pay off the Amount Financed within the Promotional Period, but only if there are no other balances on your account at any time during the Promotional Period.

PLEASE NOTE: If the Amount Financed is not paid in full within the Promotional Period, interest will be charged to your account from the purchase date.


Legal Disclosures:

PROMOTION TYPE:
No 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% or 29.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.
MONTHLY PAYMENT:
Monthly payment shown should allow you to pay the full amount you wish to finance within the promotional period if this amount is the only balance on your account during the promotional period and you make your monthly payment by the due date each month. If you have any additional balance on your account at any time during the promotional period, the monthly required payments for those balances will be added to the equal/fixed payment required and such balance may impact how payments are applied to your promotional purchase.

PROMOTION TYPE :
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 2.54% 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. For new accounts: Purchase APR is 26.99% or 29.99%. Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.
MONTHLY PAYMENT :
Monthly payment shown should allow you to pay the full amount you wish to finance within the promotional period if this amount is the only balance on your account during the promotional period and you make your monthly payment by the due date each month. If you have any additional balance on your account at any time during the promotional period, the monthly required payments for those balances will be added to the equal/fixed payment required and such balance may impact how payments are applied to your promotional purchase.

PROMOTION TYPE :
No interest will be charged on the promotional purchase if you pay the promotional purchase amount in full within the applicable promotional period. If you do not, interest will be charged on the promotional purchase from the purchase date. 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 balance. For new accounts: Purchase APR is 26.99% or 29.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.