Financing Options
Invest in Your Home,
On Your Terms
Premium work shouldn't be out of reach. Through Synchrony HOME financing, qualified homeowners can start their project now and pay over time.
How Synchrony HOME Works
Apply Online or With Us
Apply through Synchrony's secure portal or ask us to initiate the application during your estimate. Decisions are typically instant.
Get Approved
If approved, you'll receive a credit limit you can use toward your project. Subject to credit approval — minimum monthly payments required.
We Build. You Pay Over Time.
We complete your project on our usual timeline. You manage your Synchrony account and pay at a pace that works for your budget.
Subject to credit approval. Minimum monthly payments required. See Synchrony for full terms.
Why Finance?
Start Sooner
Don't wait years to save up. Start your project now while project costs and interest rates allow.
Preserve Cash
Keep your liquidity. A home improvement loan or credit line lets your savings stay invested.
Increase Home Value
A well-built deck, fence, or outdoor living space typically returns 60–80% of project cost in home value.
Manage Budget
Predictable monthly payments make it easier to plan and budget for other household priorities.
Financing FAQ
What types of projects qualify for financing?
Any of our services — fences, decks, pergolas, screened enclosures, concrete, interior work, and custom woodwork — can be financed through Synchrony HOME, subject to credit approval and minimum project thresholds.
What credit score do I need to qualify?
Synchrony reviews each application individually. There is no published minimum score. Many homeowners with good-to-excellent credit qualify for promotional rates. You can check your eligibility without impacting your credit score.
How do I apply?
Click the "Apply for Financing" button on this page or ask us to submit the application during your estimate. Approval decisions are typically delivered in minutes.
Are there promotional interest rates?
Synchrony HOME often offers promotional financing periods (deferred interest or reduced rates) for qualifying purchases. Specific promotions depend on what Synchrony is running at the time of your project.
Is there a minimum project size for financing?
Synchrony HOME generally has a minimum purchase amount. We'll confirm the current minimums during your estimate consultation.
What are the monthly payment options?
Monthly payments depend on your approved credit limit, interest rate, and financing term. Synchrony's account management tools let you set up autopay and view statements online.
Ready to Get Started?
Get your free project estimate first — then we'll walk you through the financing application together.