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.
or

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 if Paid in Full Within 12 Months.4

On clearance purchases made with your NEW Gardner White 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.

Apply Now

No Interest with Equal Monthly Payments for 24 Months.3

On mattress purchases of $699 or more with your NEW Gardner White Credit Card.

Apply Now

No Interest with Equal Monthly Payments for 25 Months.3

On furniture purchases of $699 or more and mattress purchases of $1,499 or more with your NEW Gardner White Credit Card.

Apply Now

No Interest with Equal Monthly Payments for 30 Months.3

On mattress purchases of $1,299 or more with your NEW Gardner White Credit Card.

Apply Now

No Interest with Equal Monthly Payments for 50 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

No Interest with Equal Monthly Payments for 60 Months.3

On Tempur-Pedic mattresses and other mattress purchases of $1,499 or more with your NEW Gardner White Credit Card. Free gifts must be given up on non-Tempur-Pedic mattresses.

Apply Now

Update your home today and estimate the monthly payments.

Calculate your payments for:

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
Fortiva
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

Options

Special Financing Options1 6 & 12 Mo. Deferred Interest Promotions* 101 - Day Early Buyout Option

Max Credit Limit

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

Term

50 Months Financing3

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.

Revolving Credit Up to 18 Months

Instant Credit Decision

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No Application Fee

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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.

4Qualifying 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.

*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.

** Subject to credit approval. Rebate in the form of a Synchrony Visa Prepaid Card. To be eligible to receive a rebate under this offer you must: (1) open and use your new Gardner White Credit Card issued by Synchrony Bank (“the Card”) at Gardner White on a qualifying purchase from 11/1/2022–11/30/2022 with the Card; and (2) complete and submit a rebate form, together with a copy of the original receipt or the Synchrony Authorization Draft, online or postmarked by 12/30/2022. One rebate per new account. See store associate or rebate form for details. Visa Prepaid Card will be sent to your U.S. mailing address within 6 to 8 weeks, after receipt of the completed rebate form. If the Visa Prepaid Card is not received after 8 weeks, you should call (866) 419-4001 or visit synchrony.sendmyrewards.com/reward-tracker to inquire about status. If the Visa Prepaid Card is not received, you must inquire no later than 3/15/2023 or all rights hereunder will expire. Synchrony Visa Prepaid Card is issued by Pathward, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. No cash access or recurring payments. Can be used everywhere Visa debit cards are accepted. The funds associated to this Visa Prepaid Card expire 6 months from the activation date. After the expiration date, you will not be able to use this Visa Prepaid Card, and any remaining Visa Prepaid Card funds will revert and be returned to the promotional provider. Visa Prepaid Card terms and conditions apply. The Gardner White Credit Card is not a Pathward product or service nor does Pathward endorse this offer.

***Subject to credit approval. Minimum monthly payments required. See store associate for details. Credit is extended by Synchrony Bank.

† Subject to approval. Approval is possible without a credit score, but we may check credit. The transaction advertised is a lease, lease-to-own or rent-to-own program, or rental-purchase agreement. Instead of paying interest, you will pay rental fees on top of the retail price. The lessee will not own the property until the Total Cost of Ownership is paid either by payment of the total of payments over the full term of the agreement or by prepayment as provided for by law. Other fees may apply. Acquiring ownership by leasing costs more than the retailer’s cash price. Leasing available at participating locations where permitted by law. Terms and conditions subject to change at any time.

†† Approval is possible without a credit score, but credit may be checked.

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