Synchrony Pay Later

Customer Service
Synchrony Pay Later

Introducing Synchrony Pay Later, a simple way to buy the Jewelry you love now and pay later in predictable monthly, equal payments over time*.

Available for fine jewelry purchases of $300+
Predictable monthly payments
No hidden fees

Instant decision
No payment required at time of purchase
No ongoing commitment when paid in full

How it works

Shop at jcp.com for Fine Jewelry
($300+ after discounts)

Select Synchrony Pay Later as your payment method at Checkout

If approved, pay over 6, 12, or 24 months depending upon eligibility*

Frequently Asked Questions

Will applying for Synchrony Pay Later impact my credit score?

Applying for a Synchrony Pay Later loan amounts equal to or greater than $3,000 may impact your credit score.

Can I have multiple loans at the same time?

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

What if I don’t see Synchrony Pay Later at Checkout?

To see Synchrony Pay Later in checkout, you must have fine jewelry items in your cart ranging from $300 to $12,000 after discounts. If you have gift cards in your cart, your order won't be eligible for purchase with Synchrony Pay Later. (Try removing the gift card or choosing another form of payment.)

Can I use my Synchrony Pay Later loan to make additional purchases?

No, the installment loan can only be used to finance the original purchase. If you would like to make additional installment loan purchases, you are welcome to apply for another Synchrony Pay Later loan at JCPenney.com.

Is Synchrony Pay Later different from a credit card?

Yes. Synchrony Pay Later is an installment loan, so it can only be used to finance the purchase for which it was opened.

Where can I manage my accounts and make payments?

You can manage your account and pay your bill online at paylater.syf.com by ACH transfer and sign up for auto payment.
You can also pay your bill via phone 844-373-4960844-373-4960.

Can customers make a payment on their Synchrony Pay Later account in-store or JCPenney.com?

No. Customers may make payments on their Synchrony Pay Later account by:

Providing debit card or ACH transfer information on eService at paylater.syf.com.
Paying by debit or ACH Transfer with a Synchrony Associate at 844-373-4960844-373-4960.

What if I need to make a return?

We want you to love your purchase, but if you're not completely satisfied, we gladly accept most returns by mail and in stores within 60 days of purchase for free. Returned items must be in original, saleable condition with original tags. Shipping and delivery fees are non-refundable. We cannot except returns for Belly Rings, Nose Rings, Eyebrow Rings, Captive Hoops, Ear Tapers, Ear Plugs, and Circular Horseshoes. See JCPenney's Return Policy for more details.

Will I get a card with my loan number on it?

No. Synchrony will not issue a card when this loan is opened because this loan is not a credit card.

How long does it take to get a decision on my Pay Later application?

Credit decisions are instant, and if approved, you can complete your purchase quickly and easily.

Will I receive monthly statements?

You will receive a monthly account summary via email from Synchrony until your loan is paid off.

Does this loan require a credit check?

Yes, we will check a credit bureau when determining your eligibility for this loan.

What if I have issues with my loan or monthly payments?

If you have issues with your loan or monthly payments, please contact Synchrony directly at paylater.syf.com or by calling 844-373-4960844-373-4960. They will assist you with any questions or concerns you may have.

Can a customer have a Synchrony Pay Later loan and a JCPenney Credit Card or Mastercard® account?

Yes. A Synchrony Pay Later installment loan is offered to complement the JCPenney credit card, to give customers more ways to pay.

Can JCPenney Gift Cards or other payment types be used in conjunction with Synchrony Pay Later on JCPenney.com?

No, Synchrony Pay Later can’t be combined with any other payment type.

Will I earn Rewards points on purchases using Synchrony Pay Later?

If you are already enrolled in JCPenney Rewards, you will earn points on purchases made with Synchrony Pay Later.

Will the annual percentage rate (APR) change on my loan?

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

*Subject to credit approval. Synchrony Pay Later loans are provided by Synchrony Bank. Offer available for purchases starting at $300. Maximum credit approval of $12,000. Example: A 6 month term of a $500 purchase and a 0% rate requires monthly payments of $83.34. A 12 month term of a $1,000 purchase and a 19.99% rate requires monthly payments of $92.64. A 24 month term of a $3,000 purchase and a 29.99% rate requires monthly payments of $167.72.