Financing Options

Discover easy ways to shop now and pay later

Flexible Financing with Synchrony at Kensington Furniture

$0 Down, 9.99% APR for 60 Months^

On purchases of $999 or more made with your Kensington Furniture Synchrony HOME. Fixed monthly payments required for 60 months.

At Kensington Furniture, we believe that creating the perfect home should be easy and affordable. That’s why we’ve partnered with Synchrony to offer flexible financing options that fit your budget.

Get a decision in seconds with no impact to your credit bureau score! 

Pre-Qualify Now

How It Works

  1. Apply: Start by filling out a quick and secure application online or visit us in-store. Approval is fast, so you can get started on your dream space right away.
  2. Shop: Once approved, use your Synchrony card to shop for the furniture and accessories that suit your style and needs.
  3. Pay: Choose the payment plan that works best for you. Pay over time with convenient monthly payments, or take advantage of special financing offers.

Get a decision in seconds with no impact to your credit bureau score! 

Pre-Qualify Now

Ready to Get Started?

Applying for Synchrony Financing is easy! Whether you’re looking for a complete room makeover or just a few new pieces, we’re here to help you create the home you’ve always wanted—without breaking the bank.

Financing Plans

Explore options and find the right plan for you.

6
Months*
On in-store purchases of $299 or more made with your Kensington Furniture Synchrony HOME Credit Card. Interest will be charged to your account 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 6 months*
12
Months*
On in-store purchases of $599 or more made with your Kensington Furniture Synchrony HOME Credit Card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 12 months. Minimum monthly payments required.
No Interest if paid in full within 12 months*
60
Months*
Financing on the sale price. 9.99% APR with 60 monthly payments. $999 minimum purchase. On purchases of $999 or more made with your Kensington Furniture Synchrony HOME. Fixed monthly payments required for 60 months. 
9.99% APR for 60 Months*
Low monthly payments & no interest
36
Months Interest Free Financing
On purchases of $1999 (Bedding Merchandise Purchase, in-store only) or $7200(online or in-store) or more made with your Kensington Furniture Synchrony HOME Credit Card. Equal monthly payments required for 72 months. Promo fee of 2% of amount financed will be included in required monthly payments.
48
Months Interest Free Financing
On purchases of $2499 or more made with your Kensington Furniture Synchrony HOME Credit Card. Equal monthly payments required for 48 months. Promo fee of 2% of amount financed will be included in required monthly payments.
72
Months Interest Free Financing
On purchases of $2499 or more made with your Kensington Furniture Synchrony HOME Credit Card. Equal monthly payments required for 48 months. Promo fee of 2% of amount financed will be included in required monthly payments.
^A Promo Fee does not apply to this offer. Interest will be charged on the promo purchase from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required until paid in full. These payments are equal to 2.1242% of initial total promo purchase amount, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts as of 07/16/2024: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

*Promo Fee does not apply to this offer. 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 Accounts as of 07/16/2024: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms.  Subject to credit approval.

**A promo fee, equal to 2% of the amount financed at time of purchase, will be shown as a separate transaction on your billing statement and included in the balance subject to this promo. Any taxes, delivery or other charges included in the amount financed will increase the related promo fee and the required monthly payments. For example, a $950 purchase with $50 in taxes and shipping costs, will be charged a promo fee equal to $20 and $1,020 will be charged to your account. No interest will be charged on the amount financed (including related promo fee), and equal monthly payments are required on such balance until it is paid in full. The payments equal the amount financed (including related promo fee) divided by the number of months in the promo period, rounded up to the next cent. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts as of 07/16/2024: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. 
  • Synchrony

    Buy Now, Pay Over Time. Enjoy flexible financing options with low monthly payments.

    • Easy Application: Quick and secure application process with fast approval.
    • Manage Online: Convenient online account management anytime, anywhere.
  • Affirm

    Buy now, pay later. No down payment or minimum purchases required.

    • As few as 3 interest-free payments
    • 2 week or monthly payment option
    • 3,4,6,12 month installment options
    • Instant decision

Frequently Asked Questions

Do you accept wire transfers as a form of payment?

Do you accept wire transfers as a form of payment?

What if the price changes after my purchase?

What if the price changes after my purchase?

Can I use a Kensington Furniture gift card on my purchase?

Can I use a Kensington Furniture gift card on my purchase?

What if I lose my gift card?

What if I lose my gift card?

Can I pay my financing bill at a store?

Can I pay my financing bill at a store?

Do you offer purchase/layaway options?

Do you offer purchase/layaway options?

Do you accept COD (cash on delivery)?

Do you accept COD (cash on delivery)?

I received a Kensington Furniture gift certificate from prior purchase, can I use it on my purchase?

I received a Kensington Furniture gift certificate from prior purchase, can I use it on my purchase?

What is your policy regarding international credit cards? S./ Can I apply for credit on Kensington Furniture's website?

What is your policy regarding international credit cards? S./ Can I apply for credit on Kensington Furniture's website?