Buy Now, Pay Later

Synchrony Pay Later provides simple and flexible payment options that allow you to buy now and pay later for the things you want.

Yes. Pay Later is a single-purchase installment loan, which gives customers the power to make purchases
today and pay them off over time in predictable, equal monthly payments. Customers can have more than
one Pay Later loan open simultaneously, but each loan is closed when it is pain in full.

No. Synchrony Pay Later is an installment loan and can only be used to finance the original purchase
for which it was opened. You may apply for additional Pay Later installment loans to use for future purchases
if offered at checkout. you can have multiple Synchrony Pay Later and/or other Synchrony loans,
subject to credit approval.

Yes, you can have multiple Synchrony Pay Later and/or other Synchrony loans, subject to credit approval.

All Returns are subject to the return policy. Regardless of return method, customer remains responsible
for all loan payments per original loan agreement.

• Unlike in-store purchases, online purchases utilizing Synchrony Pay later do not receive a Virtual Card.
• With a valid receipt, refunds can be credited back to any debit or credit card.
• If the purchase cannot be verified via receipt or by Perks lookup, store credit will be issues based on the
  current price of the item(s).
• If you used Synchrony Pay Later, we recommend adding the return credit amount to your debit card used
  for loan payments.