Smart Financing Options

Furniture and Payments that Adapt to You*

Spread your payments over 6, 12, 18 or 60 months with your Synchrony HOME™ Credit Card. Already have a Synchrony HOME™ credit card? You can use it to check out immediately without applying again.

Checking prequalification has no impact on your credit score.

6Months

No Interest if Paid in Full Within 6 Months**

On purchases of $500 and up with your Synchrony HOME Credit 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.

On purchases of $500 and up with your Synchrony HOME Credit 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.

12Months

No Interest if Paid in Full Within 12 Months**

On purchases of $1,000 and up with your Synchrony HOME™ Credit Card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 12 months. Minimum monthly payments required.

On purchases of $1,000 and up with your Synchrony HOME™ Credit Card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 12 months. Minimum monthly payments required.

18Months

No Interest if Paid in Full Within 18 Months**

On purchases of $2,000 and up with your Synchrony HOME™ Credit Card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 18 months. Minimum monthly payments required.

On purchases of $2,000 and up with your Synchrony HOME™ Credit Card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 18 months. Minimum monthly payments required.

60Months

9.99% APR for 60 Months†

On purchases of $2,999 and up with your Synchrony HOME™ Credit Card. Fixed equal monthly payments required for 60 months.

On purchases of $3000 and up with your Synchrony HOME™ Credit Card. Fixed equal monthly payments required for 60 months.

Budget builder

Plan Your Purchase

Flexible monthly payment options with your Synchrony HOME™ Credit Card. See offer terms below.

Use Synchrony’s interactive payment estimator tool to estimate monthly payments based and explore available financing plans.

Become a Cardholder Today!

Apply now

3-Step Financing Checkout

Getting your dream dining set is faster and easier than ever before.

01
Choose Your Furniture

Browse our collections and assemble your dream dining set, then add your selections to the cart.

02
Select Financing at Checkout

Choose Synchrony HOME Credit Card™ as your payment method at checkout and select your preferred promotional financing plan based on your order total.

03
Instant Decision & Seamless Checkout

Enter basic info for a secure, real-time credit decision (or log into your existing Synchrony HOME™ account) to complete your order.

Frequently Asked Questions

Financing

Transformer Table partners with Synchrony to offer flexible promotional financing through the Synchrony HOME™ Credit Card. In addition to receiving financing on Transformer Table products, the Synchrony HOME™ Credit Card is accepted at thousands of participating retail locations and home-related partner businesses nationwide across the U.S. and Puerto Rico.

We also offer flexible installment options at checkout through Bread Pay and Klarna.

We offer deferred interest promotional financing plans on qualifying purchases made with your Synchrony HOME™ Credit Card:

  • No Interest if Paid in Full within 6 Months: Available on purchases of $500 and up.
  • No Interest if Paid in Full within 12 Months: Available on purchases of $1,000 and up.
  • No Interest if Paid in Full within 18 Months: Available on purchases of $2,000 and up.

Note: Minimum monthly payments required. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the 6, 12, or 18-month promotional period.

  • 60 Months at 9.99% APR: Available on purchases of $2,999 or more. Fixed monthly payments required for 60 months.

Applying for financing with Transformer Table is fast, easy, and completely online. At checkout, simply select Synchrony HOME™ Credit Card as your payment method. You’ll be guided through a quick application that only takes a few minutes to complete. Once approved, you can choose the payment plan that fits your budget and finalize your order immediately. No delays, no paperwork, just flexible financing made simple.
You can also click "See if You Prequalify" on our main Financing page before shopping.

Checking if you prequalify has no impact on your credit score. However, if you choose to submit a formal credit application during checkout, your selected financing provider will perform a standard credit check, which may impact your credit score.

Yes, you can pay off your account balance early at any time without any prepayment penalties.

Paying ahead or paying in full early reduces your principal sooner, so you pay less interest on the remaining promotional balance.

Promotional Financing Disclosures

* Subject to credit approval. See below for details.

** 6, 12, & 18-Month Deferred Interest Offers

Qualifying purchase excludes tax and delivery. 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. New Accounts as of 7/31/25: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.


†60-Month Promotional Financing Offer

Qualifying purchase excludes taxes and shipping. Interest will be charged on the amount financed from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required until paid in full. These payments are equal to 2.1242% of amount financed, 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 7/31/25: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer any time.

General Account Terms: Offers valid on qualifying purchases made with the Synchrony HOME™ Credit Card. Regular account terms apply to non-promotional purchases. Estimated or suggested monthly payments shown in the cart or product pages may exclude taxes and shipping fees, and actual monthly payments will adjust based on the final transaction total. Existing Synchrony HOME™ cardholders: See your credit card agreement for terms.

Ready to furnish your space?

An extendable dining set should stretch your guest list, not your budget. Prequalify instantly with zero commitment.

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