Financing · Promotional Credit Cards
Synchrony HOME Review
Synchrony Bank revolving credit for home projects, with deferred-interest and fixed-APR promotions
Quick verdict
Who Synchrony HOME fits: HVAC, flooring, windows and remodeling contractors, especially dealers in a manufacturer program that rebates Synchrony merchant fees. Trade-offs: Merchant fees up to 23.45% on long no-interest plans in the published York program; deferred-interest back-charges if customers miss the promo window; 34.99% standard HOME card APR; fee schedules and credit limits not public; revolving card, not an installment loan.
Fees & terms
Revolving promotional credit issued by Synchrony Bank. For contractors, Synchrony now leads with the Synchrony Project Card (special financing for 6 to 132 months); the Synchrony HOME card is its general home card at retail partners. The merchant fee depends on the promotion: Synchrony's published 2026 York program lists standard fees from 0% to 23.45% by plan. The HOME card's standard purchase APR is 34.99% for new accounts as of 7/31/2025.
- Cost to contractor
- Merchant fee per financed sale, set by the promotion. Synchrony's 2026 York program lists 4.45%-10.10% for 6-24 month deferred interest, 0%-22.10% for fixed-APR plans and 10.85%-23.45% for 25-72 month no-interest plans, before manufacturer rebates. Other programs' fees are not published.
- Customer APR
- 0% deferred-interest or reduced fixed-APR promotions; standard HOME card purchase APR 34.99%, penalty APR 39.99% (new accounts as of 7/31/2025)
- Loan size
- Revolving credit line set at approval; Synchrony does not publish a maximum. Project Card promotions run 6 to 132 months
Affiliate disclosure: The link to Synchrony HOME on this page goes to its own site and is not an affiliate link.
About Synchrony HOME
Synchrony HOME is part of Synchrony's home-improvement financing, a revolving credit program issued by Synchrony Bank, the banking subsidiary of Stamford, Connecticut-based Synchrony Financial (NYSE: SYF). Synchrony says it serves tens of thousands of home improvement businesses. For contractors, Synchrony's home improvement page now leads with the Synchrony Project Card, which offers special financing for 6 to 132 months and is accepted at thousands of contractor locations; the Synchrony HOME card is Synchrony's general home card, accepted at retail partners for furniture, flooring, appliances and more.
Customers apply on the contractor's device, their own device or the contractor's website, and Synchrony's financing has been integrated into ServiceTitan since April 2024. The contractor picks which promotions to offer: deferred-interest plans, fixed reduced-APR plans and equal-payment no-interest plans. Contractors manage the program through Synchrony's Business Center and its Toolbox of training and tools.
The cost is a merchant fee that rises with the richness of the promotion. Synchrony's published 2026 program for York HVAC dealers shows the range: 4.45%-10.10% for 6-24 month deferred interest, up to 22.10% for a 3.99% APR fixed-payment plan, and 23.45% for 72 months with no interest. Qualifying York contractors can get rebates of up to 3% or 6%, which bring some plans to 0%. Other programs' fee schedules are not public.
The trade-off: some promotions, including the 6-24 month plans in York's program, are deferred interest. Synchrony's disclosure says interest is charged from the purchase date if the promotional balance is not paid in full within the promotional period, and the HOME card's standard purchase APR is 34.99% for new accounts as of 7/31/2025. Explain those terms to every customer, and get your own fee schedule in writing, since long no-interest plans can cost the contractor more than 20% of the sale.
How it works
The contractor fills out Synchrony's merchant form and Synchrony's team follows up within one business day. Once enrolled, the contractor chooses which promotions to offer, and customers apply on the contractor's device, their own device or the contractor's website, or inside ServiceTitan. Approved customers get a revolving credit line and pick a promotional plan; the contractor pays a merchant fee set by that plan and manages sales in Synchrony's Business Center.
Pros & cons
What works
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Wide promotional menu
Deferred-interest, fixed reduced-APR and equal-payment no-interest plans, with Project Card promotions from 6 to 132 months.
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Manufacturer rebates
Some manufacturer programs cut the fee: York's 2026 program gives qualifying contractors rebates of up to 3% or 6%, bringing some plans to 0%.
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ServiceTitan integration
Since April 2024, contractors can offer Synchrony financing inside ServiceTitan with direct-to-device applications and pre-fill.
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Large bank issuer
Credit is extended by Synchrony Bank, part of publicly traded Synchrony Financial, which reports more than 70 million active customer accounts.
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Reusable credit line
Customers get a revolving line they can use again, and the HOME card is accepted at thousands of retail partners.
What doesn't
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Rich promotions cost more
In Synchrony's published York program, standard fees reach 10.10% for 24-month deferred interest and 23.45% for 72 months no interest.
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Deferred-interest risk for customers
If the promotional balance is not paid in full in time, interest is charged back to the purchase date.
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High standard APR
The HOME card's purchase APR is 34.99% for new accounts as of 7/31/2025, with a 39.99% penalty APR.
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Fee schedules not public
Apart from manufacturer program sheets, Synchrony does not publish merchant fees or maximum credit lines.
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Card, not an installment loan
It is revolving credit, a different product from fixed-term installment financing.
Features & integrations
Key features
Integrations
Frequently asked
Is Synchrony HOME a loan or a credit card?
It is revolving credit issued by Synchrony Bank, not a fixed-term installment loan. For contractors, Synchrony now leads with the Synchrony Project Card, with special financing for 6 to 132 months, while the Synchrony HOME card is its general home card at retail partners. Either way the customer gets a reusable credit line with promotional plans.
How much does Synchrony financing cost a contractor?
A merchant fee per financed sale that depends on the promotion. Synchrony's published 2026 York program lists 4.45%-10.10% for 6-24 month deferred-interest plans and up to 23.45% for 72 months no interest, before rebates of up to 3% or 6% for qualifying York dealers. Other programs' fees are not public, so get yours in writing.
What is the deferred-interest risk for customers?
Synchrony's disclosure says interest is charged from the purchase date if the promotional balance is not paid in full within the promotional period. The HOME card's standard purchase APR is 34.99% for new accounts as of 7/31/2025, so set clear expectations about paying off before the window closes.
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