Financing
Synchrony Home Credit Card
Synchrony Financing and SleepCity have partnered to make it quick and easy to apply online.
- Can be used for in-store purchases
- 0% APR with approved credit
- Pay over 12 months with no interest
- No annual fee
Flexible ways to pay
Financing and leasing options for all credit types
Compare available options, apply securely with the provider, or manage an existing account.
Lease-to-own
Shop without perfect credit
Get what you need and lease over time with high approval rates and flexible payment schedules.
- Low initial lease payment
- Early purchase options available
- Easy application and fast decision
- Can be used in-store
Requirements: 3-month income history, active checking account, and government-issued ID.
Already approved?
Manage your account
Access your provider portal to review your account or make a payment.
Synchrony customer support:
(866) 396-8254
Acima Leasing customer support:
(801) 297-1982
Financing and leasing are subject to provider approval, terms, and conditions. SleepCity does not determine eligibility or approval.
Frequently Asked Questions
How do I apply for financing?
Applying is easy! Simply select the financing option at checkout or visit our financing page to fill out a quick application form. Credit decisions are made within minutes.
What financing/leasing options do you offer?
SleepCity has teamed up with multiple financing and leasing providers to offer flexible payment options:
- Acima Leasing
- Synchrony
- Snap Finance
- Koalafi
- Wells Fargo
Can I apply for financing with bad credit?
Yes. Providers like Snap Finance, Koalafi, & Synchrony consider factors beyond traditional credit scores, offering opportunities to those with bad or no credit history.
What are the approval amounts?
Approval amounts vary by provider:
- Snap Finance: Up to $5,000.
- Koalafi: Up to $7,500 for lease-to-own and $65,000 for loan financing.
How do I make payments?
Payment methods depend on the financing provider:
- Synchrony: Payments can be managed online through their account portal.
- Snap Finance: Offers automatic payments aligned with your paydays, with options to adjust payment frequency.
- Koalafi: Accepts payments via bank account transfers and debit cards.
Who do I contact for questions about my financing account?
For account-specific inquiries, contact your financing provider:
- Synchrony: Customer service contact information is available on your statement or the provider’s website.
- Snap Finance: Call 877-557-3769 or visit the Snap Finance Help Center.
- Koalafi: Call 844-937-8275 or visit Koalafi customer support.