Rooms To Go offers flexible financing options to help make it easy for customers to furnish their homes. The primary option is the Rooms To Go credit card, issued by Synchrony Bank, which provides interest-free financing with equal monthly payments on eligible purchases. (Learn more below.)

Customers looking for furniture financing can also take advantage of Buy Now, Pay Later services like Klarna, Affirm, and Afterpay which allow payments to be split into smaller, interest-free installments over time.  

The Rooms To Go credit card is a store-specific credit card issued by Synchrony Bank that offers exclusive promotions and extended payment terms for qualifying purchases made at Rooms To Go.

If approved, Rooms To Go customers can enjoy convenient monthly payments with no interest for a set promotional period. (Learn more below.) Choosing an equal monthly payment option allows you to divide the total cost of your purchase into equal monthly payments over a set term. This way, you have the convenience of knowing your exact monthly expense and the overall financial commitment upfront.

The Rooms To Go credit card is only valid for Rooms To Go purchases and cannot be used at other retailers.

Yes, financing options with the Rooms To Go credit card are available both in-store and online. Whether you are shopping at a showroom or through the Rooms To Go website, you can apply for the credit card which offers promotional financing during checkout or at the point of sale.

Applying for a Rooms To Go credit card is quick and simple. You can apply online or in person at any Rooms To Go showroom with assistance from a sales associate.

Applicants will need to provide standard identification and financial details, such as their name, Social Security number, income, and contact information. Most applications are reviewed instantly, and a credit check is required to determine approval and credit limit.

Yes! If approved for a Rooms To Go credit card, you can make purchases right away with our account look-up at checkout before your card arrives in the mail.

Yes, financing furniture can affect your credit score. When applying for a Rooms To Go credit card, Synchrony Bank will conduct a hard credit inquiry, which may cause a small, temporary decrease in your credit score.

Making payments on time can help improve your credit history and boost your score over time, while missed or late payments can have a negative impact. Responsible use of financing -- keeping balances low and making consistent, timely payments -- can positively influence your credit profile.

Yes, in most cases a down payment is required when using financing at Rooms To Go. This down payment typically covers sales tax and delivery fees and must be paid at the time of purchase using another form of payment.

There are a number of benefits to being a Rooms To Go cardholder. Some perks include:

• Special financing* options available every day
• 0% fraud liability and No Annual or Hidden Fee**
• Dedicated credit limit for all your furniture needs*.

*Subject to credit approval. See in store or roomstogo.com/financing for details.

** New Accounts as of 7/31/25: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2.

Yes, Rooms To Go offers lease-to-own furniture through Acima Leasing. This program lets you take home your furniture right away and make flexible payments over time, no credit needed. 

Lease-to-own (or rent-to-own) means you lease furniture by making regular payments, with the option to own it after a set period. Approval is based on your income and bank activity rather than credit score. 

With Acima, once approved, the company purchases the furniture from Rooms To Go and leases it to you. You make an initial payment, then recurring payments until you own the items -- or you can buy them early at a discount.

Payments on a Rooms To Go credit card can be made conveniently in several ways. Customers can pay online by logging into their account at MySynchrony.com or by using the MySynchrony mobile app. Alternatively, cardholders can mail their payment to the address on their statement or call^+^ the dedicated Rooms To Go credit card phone number: 1-866-664-0968.  

^+^There may be an additional fee to make an expedited payment by phone.

Yes, Rooms To Go cardholders may change their due date once in a 12-month period. Changing your due date is easy:

• In the MySync app, go to Account Services and tap Change Payment Due Date.

• Choose your new due date (your current and new dates will be highlighted).

• Confirm the change (note: this can only be done once every 12 months).

• The updated due date will appear after one full billing cycle.

A due date change will also adjust your promotional financing expiration dates. This is to ensure you still have the same number of payments prior to the expiration date.

Once your furniture has been delivered, it will appear on your next billing statement, and you will be required to make the equal monthly payments as shown on your billing statement.

Yes, you can purchase optional Payment Security^ for your Rooms To Go credit card. Payment Security can cancel your minimum monthly payments or your balance up to $10,000 if you experience a covered event.

To learn more, visit: https://www.synchrony.com/consumer-resources/synchrony-payment-security.

^Eligibility requirements, conditions, and exclusions apply.

1-866-664-0968 is the dedicated line for all Rooms To Go credit card needs.