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Credit/Financing Options at The Music Den.


Synchrony Bank Credit Card

(Available in-store only)

The Synchrony Bank Credit Card Credit, available for in-store purchases, offers a variety of promotional financing options. Card applications can now be completed online, here, but credit can only be used at a physical store location. ......

 

Card art

How To Apply:

  1. Visit us at our Randolph location (Or apply online here.)
  2. Complete the application.
  3. Get a credit decision while you wait.

Please follow these guidelines:

  • Please have available two forms of ID that can be verified. If using a joint applicant, the joint applicant must be present and also provide two forms of ID.
  • Please include all forms of income from all full and part-time jobs, bonuses, commissions, and investments. You need only include child support, alimony, or separate maintenance income if you wish this income to be considered in your application.
  • You must reside in the United States and you must be 18 years of age or older to apply.

Types Of Credit Promotions That May Be Available

One or more of these credit promotions may be available on qualifying promotions made with your Synchrony Bank Credit card account.

NO INTEREST IF PAID IN FULL WITHIN PROMOTIONAL PERIOD (Deferred Interest)

The Length of the promotional period will depend on the specific promotion being offered. INterest at the rate of 29.99% will be charged to your account for the date of purchase if the promotional purchase is not paid in full within the promotional period. To avoid late fees, you must make your Total Minimum Monthly Payments by the due date each month. These Minimum Monthly Payments may or may not pay off the promotional purchase before the end of the promotional period. To make sure that you are not charged interest accrued at 29.99% you must pay the total promotional purchase amount withe the promotional period.

INTEREST FREE AND EQUAL MONTHLY PAYMENTS REQUIRED UNITL PAID IN FULL (No Interest)

An equal monthly payment amount will be required based on repayment over the term (number of months) of the promotional period

REDUCED INTEREST RATE AND FIXED MONTHLY PAYMENTS REQUIRED UNTIL PAID IN FULL(Reduced Interest)

The reduced interest rate will depend on the specific promotion being offered. A fixed monthly payment amount will be required based on repayment over the terms (number of months) of the promotional period.


What is Pay in 4? 

 

Pay in 4 is a feature that lets you split your purchase into 4 payments, with the down payment due at the time of transaction and 3 subsequent payments made every 2 weeks thereafter.

Will I be able to use Pay in 4?

We are offering Pay in 4 to a growing number of our US customers. Availability depends on your state of residence and you must be at least 18 years of age (or the age of majority in your state) to apply. You must also have a PayPal account in good standing or open a PayPal account in order to apply. If you choose Pay in 4 as your payment method when you check out with PayPal, you will be taken through the application process. You will get a decision instantly but not everyone will be approved based on our internal checks.

How can I pay with Pay in 4?

Just choose to pay with PayPal when you shop online and if it is an eligible transaction, you will see Pay in 4 as one of the available payment methods. Simply apply for a Pay in 4 plan in just a few steps, get an instant decision, and finish checking out.

What purchase amounts qualify for Pay in 4?

You can use Pay in 4 for eligible shopping cart values between $30 to $600.

What are the terms and conditions for my Pay in 4 plan?

You must read the loan agreement of your Pay in 4 plan before you submit your application. You will see the link to the loan agreement when you choose to apply for Pay in 4 at checkout. You will also have the option to download the loan agreement. Once your plan starts, we will send you an email containing important information about your Pay in 4 plan, including how to locate your loan agreement.

Are there any fees associated with Pay in 4?

There are no fees for choosing to pay with Pay in 4, however if you are late with a payment you may be charged a late fee.

How long will my Pay in 4 plan last?

Your individual plan will last a little over 6 weeks in total. The down payment will be due at the time of the transaction and 3 subsequent payments will be taken every 15 days thereafter.

Currency conversion charges will apply as set out in your PayPal User Agreement.

Pay now or pay over time with PayPal Credit. Just use PayPal Credit in PayPal checkout.

Subject to credit approval.

Purchases of $99+:
No Interest if paid in full in 6 months on purchases of $99 or more.
 
  • Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months.
  • A minimum monthly payment is required and may or may not pay off the promotional purchase by the end of the 6 month period.
  • No interest will be charged on the purchase if you pay it off in full within 6 months. If you do not, interest will be charged on the purchase from the purchase date at the Purchase APR applicable to your account.
  • For New Accounts: Variable Purchase APR is 23.99%. The APR is accurate as of 3/1/2021 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum Interest charge is $2.00.
  • Individual items that are less than $99 qualify for special financing when combined for a total of $99 or more in a single transaction.
  • Multiple separate transactions of less than $99 per transaction cannot be combined to meet the minimum purchase amount.
Purchases of $98.99 or less:
Buy now and pay over time with PayPal Credit when you spend $98.99 or less.
 
  • If you pay your balance in full each month by the payment due date that is on your statement, you can avoid paying interest.
  • Or, make minimum monthly payments, or any additional amount of your choosing, until you’ve paid off your balance according to your standard account terms. Please note, interest charges may apply.
  • PayPal will send you email reminders when your payments are due. You can also keep track of your account and view your statements online at any time.

Additional information:
 
  • If approved, we start you off with a minimum credit line of at least $250.
  • For New Accounts: Variable Purchase APR is 23.99%. The APR is accurate as of 3/1/2021 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum Interest charge is $2.00.
  • If you miss a payment your late fee could be up to $40, even less if it's your first time.

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