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Buy Now, Pay Over Time!

No Money Down, No Minimum, 6 Years Special Financing*

9.99% APR for 6 years. On qualifying furniture or mattress purchases made with your Big Sandy credit card. Fixed monthly payments required for 72 months. Excludes super savers, doorbusters or digital deals.

Enjoy everyday benefits, everywhere the card is accepted.


Cash back

on purchases under $299 paid as a statement credit.1



promotional financing on purchases of $299 or more.2


$0 Fraud Liability

No annual fee3

Check your balance and pay your bill with the Synchrony Home mobile app4

SatisFi offers a way to apply for instant, personalized financing at checkout!

Application Made Easy!

Step #1 Add to Cart

Browse products and add to your cart

Step #2 Checkout

Select SatisFi at Checkout

Step #3 Apply for Financing

It's fast, simple, safe, and secure

Step #4 Order Complete

If approved, you'll be presented with a credit offer from one of 's financing partners

Frequently Asked Questions

What happens if I don’t qualify for the first financing offer?

If you do not qualify for the first financing offer, you may be presented with a subsequent offer (subject to credit approval) that can be used to complete the purchase. Big Sandy Superstore works with multiple financing providers to present you with financing solutions that best fit your needs. Once you agree to the terms and accept the offer, you can use the financing solution to complete your 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.

Which providers may present a financing offer when I apply?

Big Sandy Superstore works with multiple partners. Synchrony is the primary lender and they are the bank behind the primary offer presented. If you are not approved for this financing offer, you may be presented additional offers from other providers, pending credit approval.

How do I pay my bill?

Each financing offer provider has their own payment process. See card or terms for details. All payments are made to the issuing provider of the financing offer you select.

Synchrony Bank

Pay Online: Register your account at 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

Katapult – formerly Zibby

Katapult makes payments easy for consumers in order to help them be successful with their lease agreement. To help ensure this, payments are collected via the card used for initial payment on consumers’ pay days. See Katapult for more details.


Pay online at or call 770-574-4224. A convenience fee may apply for phone payments.

If I am approved, what happens next?

You’ll have the opportunity to accept or decline the offer. If you accept the offer, additional information and terms will be provided to you and you can proceed to 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.

*Interest will be charged on the promo purchase from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required until paid in full. These payments are equal to 1.86% of initial total promo purchase amount, 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..

1Net card purchases (purchases minus returns and adjustments) less than $299 made with the Synchrony HOME Credit Card will earn 2% cash back rewards paid as a statement credit. Statement credits will be issued within 1 –2 billing cycles after qualifying purchase is made. Fees and interest charges do not qualify for rewards. Account must remain open, in good standing, and not become delinquent. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer at any time.

2Subject to credit approval. Minimum monthly payments required. Promotional financing offers available at the time of purchase may vary by location. See store for details.

3For new accounts: Purchase APR is 29.99%; Minimum Interest Charge is $2.

4Data fees may apply.

Lease-To-Own Financing (Katapult):

Katapult offers lease-to-own financing for purchases up to $3,500, subject to approval by Katapult. Katapult is currently available in 46 states and Washington D.C. and not available in Minnesota, New Jersey, Wisconsin, and Wyoming. Please refer to for more details.

Lease-To-Own Financing (AcceptanceNow):

With an AcceptanceNow lease to own agreement you can get approved for up to $4,000 of merchandise with no credit needed.+ Apply in minutes and get an instant approval decision after a brief application. Choose your payment schedule: monthly or every other week and enjoy the convenience of automatic, reoccurring payments with AutoPay. You can own the item in 24 months or less with the option to own it early and save big. Plus, build your credit history with on-time payments!^ Learn more at

The advertised transaction is a lease to own agreement (rent-to-own agreement, consumer rental-purchase agreement or a lease/lease-purchase agreement depending on your state) with AcceptanceNow. Offer valid at participating AcceptanceNow locations. Offer only valid for products priced at $300 or more. Ownership is optional. You will not own the merchandise until the total amount necessary to acquire ownership is paid in full or you exercise your early purchase option.

+“No Credit Needed” does not mean or imply that no inquiry will be made of credit history or creditworthiness. We may check past transactional history, but no established FICO score or credit history is necessary. Lease agreement requires, at minimum, verification of residence, income, and personal references.

^Build your credit history not valid in AZ or CA.