Synchrony Pay Later on Amazon.com

Synchrony Pay Later allows customers to pay for eligible Amazon.com orders over $50 in equal monthly payments.

Synchrony Pay Later is an installment loan that can be used to finance your purchase at checkout. Unlike a credit card, no card is issued when an installment loan is opened. You will make fixed payments over time until the loan is paid off.

Credit Score Impact

When you select Synchrony Pay Later as your payment method at checkout, you will enter a few pieces of information to submit your application for a real-time credit decision. If approved, you can choose a Synchrony Pay Later payment plan for your purchase. Placing an order using Synchrony Pay Later with an amount greater than or equal to $3,000 may impact your credit score. Placing an order using Synchrony Pay Later with an amount less than $3,000 will not impact your credit score.

Managing Your Loan

To log in to your loan or make payments, visit paylater.syf.com. Your first monthly payment will be due 30-33 days after all items have shipped, and you will be notified via email of the exact date that your first monthly payment is due.

Payment Flexibility

You can pay off your purchase early with no penalty for paying early. There are no late fees with your Synchrony Pay Later loan.

Returns

If you need to return an item purchased with Synchrony Pay Later, please follow the Amazon return process. Visit the Amazon Return Policy for more information.

Additional Support

For additional questions, chat with an agent at paylater.syf.com.

If you wish to contact Synchrony directly, visit Synchrony Pay Later.