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

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


Synchrony Pay Later

Buy now, pay later with Synchrony.

Synchrony Pay Later is a simple and flexible way for you to buy what you want now and pay it back in pieces through predictable, equal payments over a set period of time.^

  • Predictable monthly payments
  • No ongoing commitment after paid in full
  • No hidden fees
  • Instant decision

Learn more

Current Special Financing Offers

Earn 5% Back*

As a statement credit on qualifying mattress purchases of $1499 or more made with your Gardner White credit card. Rebate submission required.

Download 5% Form

Earn 3% Back**

In the form of a statement credit on qualifying Stearns & Foster® and Tempur-Pedic® mattress purchases of $1499 or more made with your Gardner White credit card. Rebate submission required.

Download 3% Form

No Interest with Equal Monthly Payments for 88 Months.3

On in-store mattress purchases of $2,199 or up with your Gardner White Credit Card. Free gifts must be given up. 20% down payment required. Promo fee of 2% of amount financed will be included in required monthly payments.

Apply Now

No Interest with Equal Monthly Payments for 60 Months.3

On Tempur-Pedic mattresses and other qualifying mattress purchases of $2,999 or more with your Gardner White Credit Card. No down payment required. Promo fee of 2% of amount financed will be included in required monthly payments.

Apply Now

No Interest with Equal Monthly Payments for 60 Months.3

On furniture purchases of $699 or more with your Gardner White Credit Card. 25% down payment required. Promo fee of 2% of amount financed will be included in required monthly payments.

Apply Now

No Interest with Equal Monthly Payments for 50 Months3

On mattress purchases of $699 or more made with your Gardner White credit card. No down payment required. Promo fee of 2% of amount financed will be included in required monthly payments.

Apply Now

No Interest with Equal Monthly Payments for 40 Months.3

On furniture purchases of $699 or more with your Gardner White Credit Card. 10% down payment required. Promo fee of 2% of amount financed will be included in required monthly payments.

Apply Now

No Interest with Equal Monthly Payments for 30 Months.3

On mattress purchases of $1,299 or more with your Gardner White Credit Card. No down payment required. Promo fee of 2% of amount financed will be included in required monthly payments.

Apply Now

No Interest with Equal Monthly Payments for 24 Months.3

On mattress purchases of $699 or more with your Gardner White Credit Card. No down payment required. Promo fee of 2% of amount financed will be included in required monthly payments.

Apply Now

No Interest if Paid in Full Within 21 Months.4

On purchases of $699 or more made with your 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 21 Months. No down payment required.

Apply Now

No Interest if Paid in Full Within 13 Months.4

On purchases of $699 or more made with your 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 13 Months. No down payment required.

Apply Now

No Interest if Paid in Full Within 7 Months.4

On purchases of $699 or more made with your 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 7 Months. No down payment required.

Apply Now

No Interest if Paid in Full Within 6 Months.4

On purchases made with your 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 6 Months. No down payment required.

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
Concora Credit
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 In Store Apply Now

Options

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

Max Credit Limit

$15,000 $6,000 $5,000

Term

60 Months Financing3

On furniture purchases of $699 or more, any Tempur-Pedic mattress purchase, and any other mattress purchase $2,999+ with your Gardner White Credit Card. 25% 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 Credit Card

  • 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

Buy Now, Pay Later with Synchrony

*Offer valid on single receipt mattress purchase(s) of $1499 or more, excluding Stearns & Foster® and Tempur-Pedic® mattress. For accounts that qualify, 5% of purchase(s) amount (minus returns and adjustments) will post to your account in the form of a statement credit. Rebate information must be submitted online using Offer Code: 2480328 at synchrony.sendmyrewards.com.***

**Offer valid on Stearns & Foster® and Tempur-Pedic® mattress purchases of $1499 or more and must be on a single receipt. For accounts that qualify, 3% of purchase(s) amount (minus returns and adjustments) will post to your account in the form of a statement credit. Rebate information must be submitted online using Offer Code: 2480329 at synchrony.sendmyrewards.com.***

***Subject to credit approval. Rebate information must be submitted online or postmarked within 30 days of purchase date on receipt. The statement credit will post to your account within 60 days after receipt of rebate submission. Each single receipt purchase made must be registered to receive the statement credit. Account must remain open, in good standing, and not become delinquent at the time the statement credit is applied. Please keep a copy of your original receipt(s) for your records. Visit synchrony.sendmyrewards.com/reward-tracker or call 866-396-8254 or the number on the back of your Credit Card to inquire about your rebate status. This offer is void where prohibited. Synchrony Bank is not responsible for lost, damaged, illegible, postage due or delayed mail. Combinable with 12 month promotional financing only. Cannot be combined with other promotional financing offers. See sales associate for details.

1Subject to credit approval. See offers for details.

2New Accounts as of 07/16/24: 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.

3Qualifying furniture category purchase amount must be on one receipt and is determined before any down payment. If you use the Gardner White credit card for any required down payment, the charge will not qualify for this offer and is subject to the standard terms of the credit card. 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 07/16/24: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

4Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. 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 07/16/24: 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. A Promo Fee does not apply to this offer. 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. You may need to pay more than your minimum payment to avoid paying interest. See Account Agreement for complete details. Concora™ Credit Accounts are issued by First Electronic Bank, Member FDIC.

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.

^Subject to credit approval. Synchrony Pay Later installment loans are provided by Synchrony Bank. Offer available for furniture and mattress purchases of $75 or more.

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