Special Furniture Financing for Everyone

Make your home feel just right and pay over time

Use the Gardner White Credit Card
to get special financing.1

See if you Prequalify with no impact on your credit bureau score.

Use the Gardner White Credit Card
to get special financing.1

Already have a card? Manage Your Account

Gardner White Credit Card

Enjoy convenient monthly payments, plus so much more!

  • Simple application process
  • Instant credit decision
  • Greater purchasing power
  • Doesn't tie up other credit lines
  • 24/7 online account management
  • No annual fees2
  • Exclusive cardholder offers
  • $0 fraud liability

See if you Prequalify or Apply Now

Take time to pay with
Special Financing.

No Interest with Equal Monthly Payments for 60 Months.3

On furniture purchases of $699 or more and mattress purchases of $1,499 or more with your NEW Gardner White Credit Card. 10% down payment required on furniture purchases.

Apply Now

Update your home today and estimate the monthly payments.

Calculate Now

More Special Financing Options Available!1

The vast majority of Metro-Detroiters qualify for at least one of our three great credit options. Apply online now or click here and a Gardner White Financial Specialist will contact you by phone within 24 hours.

Gardner-White Credit Card
American First Finance
  Gardner-White Credit Card Less than Perfect Credit No Credit Needed
  Apply Now

See if you prequalify or make a payment.

Apply Now Apply Now


Special Financing Options1 6 & 12 Mo. Deferred Interest Promotions* 101 Days, Same as Cash**

Max Credit Limit

$15,000 $5,000 $5,000


60 Months Financing3

On furniture purchases of $699+ or mattresses
purchases of $1,499+. 10% down payment
required on furniture purchases.

Revolving Credit Up to 18 Months

Instant Credit Decision

Checkmark Checkmark Checkmark

No Application Fee

Checkmark Checkmark Checkmark

Frequently Asked Questions

  • Gardner White offers customers a credit card through Synchrony Bank with a revolving credit limit to use again and again on their website and Gardner White retail locations.1

  • You can apply for a Gardner White Credit Card online or at any of our participating retailer locations. Click here to apply online or here to find your nearest participating store location. You also have the option to prequalify for a Gardner White Credit Card online. Prequalifying takes just seconds and will not affect your credit bureau score. Click here to see if you prequalify.

  • To check the status of your Gardner White Credit Card account, click here to go to the Synchrony Bank website. After logging in to your account, you will be able to:

    • Make a payment.
    • View your balance.
    • Update your account information.
    • Schedule up to 12 future payments.
  • There are three convenient ways to pay your bill.

    Pay Online: Click here to manage your account and make payments online.

    Pay by Phone: Contact Synchrony Bank Customer Service at (866) 396-8254 during the hours listed below to make a payment by phone.

    Monday–Sunday 7:30am to 12:00 midnight ET

    Pay by Mail: Mail payments to the address below. Ensure that you have plenty of time for your payment to arrive prior to the due date.

    Synchrony Bank
    PO Box 960061
    Orlando, FL 32896-0061

1Subject to credit approval. See offers for details.

2For new accounts: Purchase APR is 29.99%. Minimum interest charge is $2.

3Excludes Clearance purchases. Qualifying furniture category purchase amount must be on one receipt. No interest will be charged, and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the initial total promo purchase amount divided by the number of months in the promo period, 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. Regular account terms apply to non-promo purchases. New Account APR is 29.99%. Minimum interest charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

*Deferred Interest: Interest will be charged to your account from the purchase date if the qualifying purchase balance is not paid in full within the promotional period or if you make a late payment. You must pay more than your minimum payment to avoid paying interest. 12 month deferred interest promotion provided, subject to credit approval. See Cardholder Agreement for details. Fortiva Retail Credit accounts are issued by Mid America Bank & Trust Company, Member FDIC, Rolla, MO.

**Powered by © American First Finance info@americanfirstfinance.com or 1-855-721-1188 (Toll Free). Every lease with American First Finance offers terms for early buyout (EBO). Discounted lease fees vary based on the date of early payoff. The initial option is “same as cash” if exercised within 101 days. The second option, beginning on the 102nd day, would allow you a 55% discount on the remaining term’s balance. Approval is possible without a FICO score, but American First Finance may check credit history.

† Lease term

WXYZ tracking