Buy now, pay over time

What happens if I am presented with an offer?
You’ll have the opportunity to accept or decline the offer. Once presented with an offer, additional information and terms will be provided to you before you complete the purchase. If you decline the offer, you will be brought back to the checkout process where you can proceed with your order using a different form of payment.

What happens if I don’t qualify for the initial financing offer?
If you do not qualify for the initial financing offer, you may be presented with subsequent opportunities by another financing or lease-to-own provider that can be used to complete the purchase (which may be subject to credit approval). OWC works with multiple providers to present you with financing or lease-to-own solutions that best fit your needs. Once you agree to the terms and accept the offer, you can use the payment solution that you choose to complete your purchase (subject to credit availability). If you decline any opportunity presented, you will be brought back to the checkout process where you can proceed with your order using a different form of payment.

Which providers may present a financing or lease-to-own offer when I apply?
OWC works with multiple financing or lease-to-own providers. Synchrony is the primary lender and they are the bank behind the primary offer presented. If you are not approved for this offer, you may be presented additional opportunities from the other providers, which may be subject to credit approval.

How do I pay my bill?
Each financing or lease-to-own provider has their own payment process. See card or terms for details. All payments are made to the issuing provider of the offer you select.

• Synchrony Bank
  • Pay Online: Register your account at mysynchrony.com and log in to easily manage and pay your bill.
  • Pay By Phone: Contact Synchrony Bank Customer Service during business hours at 1-844-335-5909
    Monday — Friday: 7:30 AM — 12:00AM (ET)
    Saturday: 10:00 AM — 7:00PM ET
    Sunday: Closed
    
  • Pay By Mail: To ensure your payment is on time, mail in advance of the payment due date. Send payment to:
    Synchrony Bank
    P.O. Box 960061
    Orlando, FL 32896-0061
• Genesis Credit® Accounts
  To manage your Genesis Credit® Account or for more information, please click here.
• Katapult – formerly Zibby
  Katapult makes payments easy for consumers in order to help them be successful with their lease agreement. To help ensure this, payments are collected via the card used for initial payment on consumers’ pay days. See Katapult for more details.

Synchrony Bank:
Synchrony is a premier consumer financial services company delivering customized financing programs across key industries. Synchrony works with thousands of businesses large and small, helping national chains and local merchants offer credit cards with budget-friendly financing.

* Qualifying purchase amount must be on one receipt. 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. New Account APR is 29.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer anytime.

Katapult:
Katapult offers lease-to-own financing for purchases up to $3,500, subject to approval by Katapult. Katapult is currently available in 46 states and Washington D.C. and not available in Minnesota, New Jersey, Wisconsin, and Wyoming. Please refer to katapult.com/legal for more details.