It’s time for a more convenient payment experience.

Yes, once transitioned to Synchrony Pay Later, you’ll use your phone number and last four digits of your Social Security number to sign in into the Pay Later portal.

You may see a generic service provider category in place of your service provider’s business name such as, Synchrony Healthcare, Synchrony Home Improvement or Synchrony Auto.

No, Synchrony Pay Later loans do not require activation

To sign in to your loan, go to paylater.syf.com.

You can pay your loan payments with a debit card or ACH transfer online at paylater.syf.com.. You also have the option to pay your loan payments via phone with either a debit card or ACH transfer or by mailing a check to PO Box 71712, Philadelphia, PA 19176-1712.

Yes – autopay is available for Synchrony Pay Monthly. To enroll, please visit paylater.syf.com. or call 1-844-373-4960.

Payments are due monthly until loan is paid in full. Please visit paylater.syf.com. to view your next scheduled payment date.

You can make changes to your account including amount and source at paylater.syf.com..

A late fee is assessed on late payments. The late fee amount will either be $25 or the amount of your scheduled payment, whichever is less.

Please contact us to discuss your situation with a representative.

No, debt cancellation is not a feature of this loan product.

Please contact customer service.

Your loan will be automatically closed once your final loan payment has been made and the loan has a zero balance.

If you would like a payoff quote on your loan, please contact customer service. You can also view your payoff quote (as of that day) by going online to paylater.syf.com.

No. Synchrony Pay Later is an installment loan and can only be used to finance the original purchase for which it was opened. It cannot be used to finance additional purchases. If you would like to make additional installment loan purchases, you are welcome to apply for another loan at participating Synchrony merchants.

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

For your converted account, you will continue to receive paper statements. You will be reminded of an upcoming payment via email before your due date and the payment will be processed when the payment is due. Another message will confirm that we processed each payment by us.

You can review your previous 12 months of transaction history online at paylater.syf.com.

To look up your updated loan number, reference your July 2025 statements or sign in to paylater.syf.com.

No, your Synchrony Pay Later installment loan does not have an annual fee.

The Synchrony Pay Later installment loan does not have an ATM/cash advance feature.

No, the APR on your Synchrony Pay Later installment loan was established in your loan agreement. The APR will not change.

Yes, a late fee is assessed on late payments. The late fee amount will either be $25 or the amount of your scheduled payment, whichever is less.

No, the installment loan can only be used to finance the original purchase for which it was opened. If you would like to make additional installment loan purchases, you are welcome to apply for another loan at participating Synchrony merchants.

No. Cash advances are not a feature of this loan as it is a loan, not a credit card. Your installment loan can only be used to finance the initial purchase, for which it was opened.

No, your installment loan may only be used for the initial purchase for which it was opened.

No. Joint and authorized user functionality is not supported. However, the loan holder may designate an authorized representative/power of attorney.

The interest rate is based on a customer’s creditworthiness, length of term and other factors and can vary from 0-29.99% APR. The APR and duration loan terms you select will remain in effect for the duration of the loan.

There is no penalty or fee for prepayment of this loan in whole or in part.

A copy of the loan contract was provided at the time the loan was opened. To get another copy, please call customer service.

All returns are subject to the merchant’s return and cancellation policy.

Full Refund: If the entire purchase is returned to the merchant, it is considered a full return. The merchant will credit the loan balance with the purchase amount, which pays off the principal. If a full return is made within 45 days of the loan opening, you will receive a complete refund, including any interest paid on the loan. If a full return is made after the 45 days, you will receive a refund of the principal balance but not any interest paid.

Partial Refund: A partial return will reduce the principal balance. The remaining principal and interest (if applicable to your Pay Later loan) will still be due on your loan. As a result, you may pay off the loan sooner, depending on the size of the return.

All returns are subject to the merchant’s return and cancellation policy. If the entire purchase is returned to the merchant, it is considered a full return.

If a full return is made within 45 days of the loan opening, you will receive a complete refund, including any interest paid on the loan. If a full return is made after the 45 days, you will receive a refund of the principal balance but not any interest paid.

If there is a credit balance on the loan, a refund check will be sent to you automatically at 45 days. Alternatively, you can reach out to customer service to request the refund prior to that time.

All issues with the goods or services should be referred first to the merchant for resolution.

We take issues like this very seriously and are here to help. If you were not the individual who opened this loan, please reach out to our customer service team immediately for support.

Customer service: 1-844-373-4960