Financing

Looking to finance your new furnace or air conditioner? If you finance through Synchrony, you’ll have options such as:

• No Interest if paid in full in 6 Months
• No interest if paid in full in 48 months
• 11.99% APR until paid in full

Please note all Synchrony Terms and Conditions when applying.

Financing Information

No Interest if paid in full in 6 Months

On purchases made with your Home Design Credit Card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6 Months. $29 account activation fee may apply. Fixed Monthly Payments required equal to 2.5% of the highest balance applicable to this promo purchase.

No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. Fixed monthly payments are required equal to 2.5% of the highest balance applicable to this promo purchase during the promotional period for purchases made on or after 1/15/2026, or until the promotional purchase is paid in full for purchases made before 1/15/2026. 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. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to promotional purchases, except that for purchases made before 1/15/2026, the fixed monthly payment that is based on the highest balance applicable to this promotional purchase will continue to be required until the promotion is paid in full. New Accounts as of 8/29/25: Purchase APR 26.99%. Min Interest Charge $2. One-time Account Activation Fee of $29 charged at time first purchase posts to account. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

No interest if paid in full in 48 months

On purchases made with your Home Design Credit Card. $29 account activation fee may apply. Equal monthly payments required for 48 months.

No interest will be charged, and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the initial total promo purchase amount divided by the number of months in the promo period, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts as of 8/29/25: Purchase APR 26.99%. Min Interest Charge $2. One-time Account Activation Fee of $29 charged at time first purchase posts to account. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

11.99% APR until paid in full

On purchases made with your Home Design Credit Card. $29 account activation fee may apply. Fixed monthly payments required for 86 months.

Interest will be charged from the purchase date at a reduced 11.99% APR, and fixed monthly payments are required until paid in full. These payments are equal to 1.75% of initial total promo purchase amount, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts as of 8/29/25: Purchase APR 26.99%. Min Interest Charge $2. One-time Account Activation Fee of $29 charged at time first purchase posts to account. Existing cardholders: See your credit card agreement terms. Subject to credit approval.