Financing

Our financing options are available through the Home Design credit card, issued through Synchrony Bank, a premier consumer financial services company and one of the largest providers of private label credit cards in the nation*. With more than 80 years of retail heritage, Synchrony Bank can help you with financing options for major purchases.  

Benefits of the Home Design credit card include:

• Simple application process
• Open line of credit for future purchases
• Convenient monthly payment options
• Fast credit decisions
• Promotional financing options available**
• Online account management

To begin the quick, secure, and private application process, simply complete the online credit application. *Based on purchase volume and receivables. **Subject to credit approval. Minimum monthly payments required. See store for details.

Promotional Financing Options

For all promotions: Qualifying purchase must be made with your Home Design credit card issued by Synchrony Bank and a $29 account activation fee will apply and be charged at the time first purchase posts to account. For new accounts: Purchase APR is 26.99%; Minimum Monthly Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval. If your application is approved, or, if you are an existing cardholder, the below promotional financing options may be available: Plan 180: Reduced 9.99% APR and fixed monthly payments equal to 1.25% of promo purchase amount – Until Paid in Full*** - Estimated payoff period of 132 months. See below for additional information. ***Monthly interest will be charged on promo purchases from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required equal to 1.25% of initial promo purchase amount until promo is paid in full. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases. Plan 181: No Monthly Interest if Paid in Full Within 12 Months (Deferred Interest)**** - Monthly interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 12 months. Fixed monthly payments are required equal to 2.50% of the highest balance applicable to this promo purchase until paid in full. See below for additional information. Plan 182: No Monthly Interest if Paid in Full Within 18 Months (Deferred Interest)***** - Monthly interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 18 months. Fixed monthly payments are required equal to 2.50% of the highest balance applicable to this promo purchase until paid in full. See below for additional information. *****No monthly interest will be charged on the promo purchase if you pay the promo purchase amount in full within 18 Months. If you do not, monthly interest will be charged on the promo purchase from the purchase date. Fixed monthly payments are required equal to 2.50% of the highest balance applicable to this promo purchase until paid in full. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Depending on purchase amount, promotion length, and payment allocation, the required minimum monthly payments may or may not pay off purchase by end of promotional period. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases, except that the fixed monthly payment will continue to be required until the promo purchase is paid in full.

Team Electric Promotion Disclosures

No Interest, No Payments Financing offers a no payment - no interest feature (during the “promotional period”) on your purchase at an APR of 24.99% in New Jersey. No finance charges will accrue on your account during the promotional period, as set forth in your Truth in Lending Disclosures, and you will not have to pay a monthly payment until the promotional period has ended. If you repay your purchase in full before the end of the promotional period you will not have to pay any finance charges. You may also prepay your account at any time without penalty. Financing is subject to credit requirements and satisfactory completion of finance documents. Any finance terms advertised are estimates only. Normal late charges apply once the promotional period has ended. Payment Factor Example 150 PF Financing available to well qualified buyers on approved credit at an APR starting at 9.99% for 120 months, with an estimated monthly payment of 1.32% of your purchase amount. You may prepay your account at any time without penalty. Financing is subject to credit requirements and satisfactory completion of finance documents. Any finance terms advertised are estimates only. Normal late charges apply. See your Truth in Lending Disclosures for more information.