The HOM Furniture credit card benefits

  • Our HOM Furniture line of credit issued by Synchrony Bank
  • Apply online or in-store and if approved make your purchase online or in-store!
  • Convenient monthly payments
  • Promotional financing options available in-store every day.
  • Dedicated credit line to use again and again for all your furniture needs.
  • The HOM Furniture credit card is accepted at all our brand locations
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MANAGE YOUR ACCOUNT

Click on your credit card provider to pay your bill, view account activity, check card balance, update account information and more.

Manage My Synchrony Bank Account
FURNITURE, MATTRESS & FLOORING FINANCING
NO INTEREST FOR 3 YEARS* ON QUALIFYING BRAND NAME MATTRESSES
NO INTEREST IF PAID IN FULL WITHIN 1 YEAR‡
‡Qualifying purchase amount must be on one receipt and is determined prior to any down payment. 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 amount financed balance before the end of the promo period depending on the purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. For new accounts: Purchase APR is 29.99%. Minimum interest charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. See Store for Details.
On furniture, flooring, or mattress purchases made with your HOM 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. HOM requires a 40% NON-REFUNDABLE down payment on custom orders on another payment type.
NO MONEY DOWN ON IN-STOCK PRODUCT PURCHASES
‌NO MINIMUM PURCHASE
BRAND NAME MATTRESS FINANCING
**Qualifying purchase amount must be on one receipt and is determined prior to any down payment. Offer excludes the purchase of Thomas Cole Sleep, Luxuria, Mlily, Bargain Shop, Kids Life, DOCK-O-PEDIC,Total Comfort, and Clearance Mattresses. No interest will be charged and equal monthly payments are required on the promo purchase until it is paid in full. The payments equal the initial total promo purchase amount divided by the number of months in the promo period, rounded up to the next whole dollar. These payments may be higher than the payments 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. For new accounts: Purchase APR is 29.99%, after Janaury 1,2024. Minimum interest charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. HOM requires 25% Down Payment and 40% NON-REFUNDABLE down payment on custom orders on another payment type. See store for details.
On qualifying brand name mattress purchases made with your HOM Credit Card between 4/4/2024-4/24/2024. Equal monthly payments required for 36 months. HOM requires 40% NON-REFUNDABLE down payment on custom orders on another payment type. Excludes Thomas Cole Sleep, Luxuria, Mlily, Bargain Shop, Kids Life, DOCK-O-PEDIC, Total Comfort, and Clearance Mattresses.
NO MONEY DOWN ON IN-STOCK PRODUCT PURCHASES
‌NO MINIMUM PURCHASE

Finance Details

36
months
0% APR for 3 Years**

On any HOM Furniture mattress purchase (excludes Thomas Cole Sleep, Luxuria, Nectar, Mlily, Bargain Shop, Kids Life, DOCKOPEDIC, Total Comfort and clearance mattresses) made with your HOM Furniture credit card on 04/04/24 through 04/24/24. Equal monthly payments required for 36 months. HOM Furniture requires 40% NON-REFUNDABLE for custom orders on another payment type.

12
months
No Interest if Paid in Full Within 12 Months‡

On any purchase made with your HOM Furniture credit card on 01/01/24 through 12/31/24. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 12 months. Minimum monthly payments required. No money down on in-stock orders, custom orders require 40% NON-REFUNDABLE down payment on another payment type at purchase by HOM Furniture.

6
months
No Interest if Paid in Full Within 6 Months‡

On purchases made with your HOM Furniture credit card on 01/01/24 through 12/31/24. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 months. Minimum monthly payments required. No money down on in-stock orders, custom orders require 40% NON-REFUNDABLE down payment on another payment type at purchase by HOM Furniture.

OPEN, SHOP, BUY

  1. Open an account online or in-store
    Our application process is quick and easy!
  2. Shop online or in-store
    We offer a wide selection of furniture, flooring and mattresses!
  3. Buy in-store
    Purchase must be made in store. To purchase in store before receiving your credit card, if approved online - bring your approval page & two forms of identification.

Get started online now

MANAGE YOUR ACCOUNT

Click on your credit card provider to pay your bill, view account activity, check card balance, update account information and more.

Manage My Synchrony Bank Account

**No interest will be charged and equal monthly payments are required on promo purchase until it is paid in full. These payments equal the total promo purchase amount divided by the number of months in the promo period and 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 this rounding. Regular account terms apply to non-promo purchases. For new accounts: Purchase APR is 29.99% as of 2/1/24. Minimum interest charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

^Interest will be charged on the promo purchase from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required until paid in full. These payments are calculated as follows: on 24 month promo - 4.6140% of amount; on 36 month promo - 3.2262% of amount; on 48 month promo – 2.5358% of amount; on 60 months promo - 2.1242%; and on 72 months promo - 1.8521%., 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 this rounding. Regular account terms apply to non-promo purchases. New Account APR is 29.99% as of 2/1/24. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

‡No interest will be charged on the promo purchase if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo purchase from the purchase date. The required minimum monthly payments may or may not pay off the promo purchase by the end of the promo period. Regular account terms apply to non-promo purchases and, after promo period ends, to the remaining promo balance. For new accounts: Purchase APR is 29.99% as of 2/1/24. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.