Multiple Synchrony financing plans are available, so please review the financing plans below and choose the one that best fits your needs. If you have any questions, call (833) 379-8800 to speak with a friendly water heater expert. We’re happy to help!
- Synchrony Financing can not be used or combined with any other offer, discount, coupon or promotion.
- Synchrony Financing can not be used as a payment option for billing accounts, service agreements or preferred client accounts.
- Financing must be approved by Synchrony before work begins. Once your application has been approved, please contact our office to provide our staff with your account number, date of birth and email to process your transaction.
- Before applying, please make sure you are within our service areas.
Synchrony Financing Plans
Plan 920 – No Monthly Interest if Paid in Full Within 6 Months (Deferred Interest)
On Water Heater purchases of $200.00 to $5000.00 after discounts made with your Synchrony Project Card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6 Months. Minimum monthly payments required.
§ Financing is not to be used on already discounted water heaters. Discounts may result in the qualifying purchase amount not being satisfied. 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. 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 the promo balance. For New Accounts: As of 07/31/2025, Purchase APR is 34.99%. Penalty APR is 39.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
Plan 964 – 10.99% APR Until Paid in Full
On qualifying purchases made with your Synchrony Bank Credit Card. $29 account activation fee may apply. Fixed monthly payments required for 82 months.
Interest will be charged on the promo purchase from the purchase date at a reduced 10.99% 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 08/29/25: 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.
Plan 965 – 11.99% APR Until Paid in Full
On qualifying purchases made with your Synchrony Bank Credit Card. $29 account activation fee may apply. Fixed monthly payments required for 86 months.
Interest will be charged on the promo purchase 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 08/29/25: 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.
