Financing FAQ


Bread Financing - Apply and Use Online

Financing Available

Clear, transparent terms. Fair rates. No prepayment penalties.

GET YOUR RATE

Pay Over Time

We provide easy and affordable financing through our partner, Bread Financial®, so you can pay for your purchase over time.

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Affordable Monthly Plans

Buy now and pay for your purchase over time at competitive interest rates.

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No Prepayment Penalties

Pay for your purchase with monthly payments and prepay at any time without penalty.

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Easy Application

Get a decision in seconds with no obligation to buy. Checking your rate won't affect your credit score. Your data is safe and encrypted.



Check your rate in seconds
without leaving our site

GET YOUR RATE

Financing Available

Clear, transparent terms. Fair rates.
No prepayment penalties.

Low monthly payments

Pay Over Time

Through Bread Pay™, we offer easy and affordable financing options so you can pay for your purchase over time.

calendar icon

Affordable Monthly Plans

Buy now and pay for your purchase over time at competitive interest rates.

payment icon

No Prepayment Penalties

Pay for your purchase with monthly payments and prepay at any time without penalty.

calendar icon

Easy Application

Get a decision in seconds with no obligation to buy. Checking your rate won't affect your credit score. Your data is safe and encrypted.



Check your rate in seconds
without leaving our site

Low monthly payments
Questions? Visit Bread Pay™ help center.


Synchrony Financing - Apply Online, Use In Store

Synchrony Music Card

Buy Now,
Pay Over Time

On select items with your Synchrony Music Credit Card

Available Promotions

No Interest if Paid in Full Within 6 Months*

On qualifying purchases up to $398.99 made with your Synchrony Music Credit Card. Interest will be charged from the purchase date if the promotional balance is not paid in full within 6 months. Minimum monthly payments required.

No Interest if Paid in Full Within 12 Months*

On qualifying purchases of $399 or more made with your Synchrony Music Credit Card. Interest will be charged from the purchase date if the promotional balance is not paid in full within 12 months. Minimum monthly payments required.

Applying is quick, easy, and secure

Apply Now

1. Apply at Checkout

Instant Decision

2. Decision

You'll get an instant credit decision shortly
after you submit the application.

Shop With Synchrony

3. Shop

If you're approved, we'll send you a temporary account number and you can start shopping right away.

Manage your account with Synchrony

Make payments, view your balance, update account information, and schedule up to 12 payments at a time.

Frequently Asked Questions

  • How do I apply for a Synchrony Music Credit Card?
    You can apply for a Synchrony Music Credit Card by filling out an application online. Apply now.
  • How do I manage my Synchrony Music Credit Card?
    Log in to your account at mysynchrony.com to view your balance, schedule payments and view previous purchase activity.
  • How do I make a payment on my Synchrony Music Credit Card?
    Pay Online: Log in to your account on mysynchrony.com, click "manage my account," and then click "payments."
    Pay By Phone: Contact Synchrony Bank Customer Service 1-866-396-8254 Mon – Sunday 8:00 am to 12:00 midnight EST to make a payment by phone.
    Pay By Mail: Mail payment to the address below. Please note: ensure that you have plenty of time for your payment to arrive prior to the payment due date.
    Synchrony Bank
    P.O. Box 960061
    Orlando, FL 32896-0061

*Qualifying purchase amount must be on one receipt. 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% minimum interest charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.