Rooms To Go Synchrony Bank Financing Options for Your Furniture

If you're looking to furnish your home with Rooms To Go, you're in luck - they offer a variety of financing options through Synchrony Bank.

With Synchrony Bank financing, you can choose from several payment plans, including 6, 12, 24, and 36 month options.

These plans can help make your furniture purchases more affordable, with lower monthly payments and a fixed interest rate of 29.99% APR.

By choosing a longer payment plan, you can spread the cost of your furniture over several months, making it easier to fit into your budget.

For more insights, see: Credit Cards for Furniture

You can make a Rooms To Go credit card payment online through the MySynchrony website, by phone, or using the mobile app. To get started, you'll need to register your Rooms To Go account online, which requires your account number, the last four digits of your Social Security number, and your date of birth.

You can also make a payment by phone by calling 866-396-8254 and following the prompts with your card number and bank account information. Alternatively, you can use the MySynchrony mobile app to make a payment, which is available on both Google Play and the App Store. To do this, you'll need to install and open the app, register for online account access, and log in with your username and password.

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Here are the payment options:

Keep in mind that payments made online will post the same day if completed by 11:59 p.m. ET, and you can schedule up to 12 payments with future dates.

Making a Rooms To Go credit card payment online is a straightforward process. You can do it through the MySynchrony website, which allows you to make one-time payments or schedule up to 12 payments with future dates.

To get started, you'll need to register your Rooms To Go account. This involves going to the MySynchrony website, clicking "Log In" and then "Register", and entering your Rooms To Go account number, the last four digits of your Social Security number, and your date of birth.

You can make a payment by 11:59 p.m. ET the same day it's posted, as long as you complete it by then.

Here are the steps to register your Rooms To Go account:

Alternatively, you can make a payment using the MySynchrony mobile app, which is available on both Google Play and the App Store. The app allows you to make payments and view your account summary.

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If you need to mail your payment, Synchrony Bank accepts checks and money orders via mailed payments.

Include your Rooms To Go credit card payment coupon with your mailed payment to ensure it's properly credited.

Write your Rooms To Go credit card account number on your check or money order if you don't have your payment coupon.

Mail your payment seven to 10 business days before the due date to avoid late payment fees.

Send your mailed payment to the Rooms To Go credit card payment address: Synchrony Bank, P.O. Box 960061, Orlando, FL 32896-0061.

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The Rooms To Go Credit Card offers some appealing options, but it's not without its drawbacks. The card requires at least fair credit, so you may be able to get approved with a credit score as low as 600.

The Rooms To Go card doesn't offer a traditional sign-up bonus, which is a common perk with many other credit cards.

One potential advantage of the Rooms To Go Credit Card is its interest-free financing options, which can be a big help for large purchases.

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Rooms To Go offers various financing options to help you purchase the furniture you need.

You can choose from 50, 24, or 17 month interest-free financing options, all of which require equal monthly payments and include a promo fee of 2% of the amount financed.

Rooms To Go requires a down payment equal to sales tax and delivery for all financing options.

The qualifying purchase amount is determined before any discount or down payment, and the promo fee will be shown as a separate transaction on your billing statement.

Interest will not be charged on the amount financed, including the promo fee and related optional debt cancellation fees.

The payments equal the amount financed (including the promo fee) divided by the number of months in the promo period, rounded up to the next cent.

Regular account terms apply to non-promo purchases, with a purchase APR of 34.99% and a penalty APR of 39.99% for new accounts as of July 16, 2024.

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With 50 Month Financing, you can spread the cost of your purchase over five years without paying any interest.

The qualifying purchase amount is determined before any discounts or down payments are applied.

You'll need to make equal monthly payments for 50 months, and a promo fee of 2% of the amount financed will be included in these payments.

Rooms To Go requires a down payment equal to sales tax and delivery, which will also be factored into your monthly payments.

The payments will be calculated by dividing the amount financed, including the promo fee, by the number of months in the promo period and rounded up to the next cent.

Keep in mind that these payments may be higher than if you had made a non-promo purchase.

During the last few months of the promo period, your monthly payment may be reduced due to prior months' rounding.

Regular account terms will apply to any non-promo purchases, and you should be aware of the Purchase APR of 34.99% and Penalty APR of 39.99%.

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24 Month Financing is an option available on purchases made with your Rooms To Go credit card through 2/17/25.

You'll need to make equal monthly payments for 24 months, with a promo fee of 2% of the amount financed included in these payments.

The promo fee will be shown as a separate transaction on your billing statement and included in the balance subject to this promo.

Qualifying purchase amount is determined prior to any discount or down payment, and you'll need to make a down payment equal to the sales tax and delivery.

Any taxes, delivery, or other charges included in the amount financed will increase the promo fee and the required monthly payments.

For example, a $950 purchase with $50 in taxes and delivery will be charged a promo fee of $20 and $1,020 will be charged to your account.

No interest will be charged on the amount financed, including the promo fee and related optional debt cancellation fees.

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The payments will equal the amount financed, including the promo fee, divided by the number of months in the promo period, rounded up to the next cent.

This may result in higher monthly payments than if the purchase was a non-promo purchase.

During the last month(s) of the promo period, the required monthly payment may be reduced due to prior months' rounding.

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If you're not sure that traditional financing is the right fit for you, consider choosing one of the common financing methods instead.

You can use a personal loan to cover the cost of your furniture, which can offer more flexibility than traditional financing.

Personal loans often have fixed interest rates and repayment terms, making it easier to budget and plan for your payments.

A personal loan can also help you avoid the risk of high interest rates associated with credit cards.

You can also consider using a home equity loan or line of credit to finance your furniture purchase, which can offer lower interest rates than credit cards.

Home equity loans and lines of credit are secured by the equity in your home, so you'll need to have a significant amount of equity built up in your home to qualify.

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