Please ensure Javascript is enabled for purposes ofwebsite accessibility Appliance Financing: Appliance Payment Plan | Howard's

No Interest if paid in full within 18 Months**
On purchases of $499+ made with your Synchrony HOME™ Credit Card through June 5th, 2024. 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.

** 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. 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.

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Flexible Leasing Options

Apply now and quickly secure leasing options that increase your budget and let you take your item home today. Take advantage of our easy to follow lease-to-own program.

*Subject to approval. Terms and conditions apply.

What is the Howard's Appliances Synchrony HOME Credit Card?

Howard’s Appliances offers customers a flexible buying option via a credit card through Synchrony Bank. The Synchrony HOME Credit Card has no annual-fee.

The Synchrony HOME Credit card extends a revolving credit limit to use again and again everywhere the card is accepted, including Howard’s Appliances locations.

How do I apply for a Synchrony HOME Credit Card?

Visit the Howard’s Financing page to learn about the Howard’s Synchrony HOME Credit Card.

You can apply for a Howard’s Appliances HOME Credit Card online (Click here to apply online) or find your nearest participating store location and apply in-person.

Can I manage my Synchrony HOME Credit Card account online?

To check your Synchrony HOME Credit Card account status, log into your account at

After logging into your account, you will be able to:

  • Make a credit card payment
  • View your account balance
  • Update your information
  • Schedule up to 12 future payments

How can I make a payment on my Synchrony HOME Credit Card?

There are three convenient ways to pay your bill.

  • Pay Online: Click here to manage your account and make payments online.
  • Pay by Phone: Contact Synchrony Bank Customer Service 1-844-335-5909 during the hours listed below to make a payment by phone.
    • Monday – Sunday 7:30 am to 12:00 midnight EST
    • There may be an additional fee to make an expedited payment by phone.
  • Pay by Mail: Mail payments to the address below. Ensure that you have plenty of time for your payment to arrive prior to the due date.

Synchrony Bank
PO Box 960061
Orlando, FL 32896-0061

What should I do if my Howard’s credit card is lost or stolen?

To report a lost, stolen, or card that was never received, log into your Synchrony account, select the Report a Lost or Stolen Card option under the Resources Menu. You can also call Synchrony’s automated phone system to report your card lost or stolen. Available 24 hours a day. Call 877-295-2080. For your protection, Synchrony will close your account and issue you a new account number. Please report any unusual account activity to Synchrony customer service.

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