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Synchrony Financing

Synchrony's Financing

No Interest if Paid in Full Within 6 or 12 Months*

On purchases of $200 – $799.99 for 6 months or $800 and greater for 12 months at Two Birch made with the Synchrony Luxury Credit Card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within promotional period. Minimum monthly payments required.


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impact to your credit bureau score


Offers a way to apply for instant, personalized payment solutions at checkout

Two Birch works with multiple providers to offer financing or lease-to-own options for you.

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Browse Two Birch products and add to your cart


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If approved, you can complete your order with your new account

Prequalify now for instant, personalized financing

Frequently Asked Questions

  1. 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). Two Birch 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
  2. Which providers may present a financing or lease-to-own offer when I apply?
    • Two Birch 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.
  3. 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

      • Acima Leasing

        Easily access lease account information online at customer.acima.com or call us at 801-297-1982. During the lease origination process, you agree to make payments automatically using the bank account or card provided in your application.

  4. 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.

Financing 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.

Lease-To-Own Details

Acima Leasing:
Shop today, all without credit. Acima's flexible, lease-to-own solutions provide up to $4,000 to help you take home the things you need. Acima makes it possible by giving you instant shopping power all while providing you with the flexibility to make payments that are scheduled with your payday.

The advertised service is a rental or lease purchase agreement provided by Acima. It is not a loan, credit, or financing. Acquiring ownership by leasing costs more than the retailer's cash price. Not available in MN, NY, WI, or WY. Participating retailer locations only. Not all applicants are approved. See lease for details.