FINANCING OPTIONS

Option #1: Synchrony

Offers a way to apply for instant, personalized payment solutions at checkout. RCL works with multiple payment providers to offer financing or lease-to-own options for you.

ADD TO CART: Browse RCL products and add to cart.

CHECKOUT: Select SatisFi at checkout.

APPLY: It's fast, simple, safe & secure.

COMPLETE: if approved, you can complete your order with your new account.

NO INTEREST IF PAID IN FULL WITHIN 6 MONTHS**
On purchases of $200 - $1,000 made at Really Cool Living with the Synchrony Home™ 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. Minimum monthly payments required.
NO INTEREST IF PAID IN FULL WITHIN 12 MONTHS**
On purchases of $1,000 or more made at Really Cool Living with the Synchrony Home™ 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.

Select at checkout, or prequalify.

Get a decision in seconds with no impact to your credit bureau score.

Offers a way to apply for instant, personalized payment solutions at checkout. With Satisfi, you are applying to the Synchrony Home™ credit card. If you are not approved, Really Cool Living will work with multiple providers to provide financing options for you.

FAQ

WHAT HAPPENS IF I DON’T QUALIFY FOR THE INITIAL FINANCING OFFER?

If you do not qualify for the initial financing offer, you may be presented with subsequent opportunities by another financing or lease-to-own provider that can be used to complete the purchase (which may be subject to credit approval). RCL works with multiple providers to present you with financing or lease-to-own solutions that best fit your needs. Once you agree to the terms and accept the offer, you can use the payment solution that you choose to complete your purchase (subject to credit availability). If you decline any opportunity presented, you will be brought back to the checkout process where you can proceed with your order using a different form of payment.

WHAT PROVIDERS MAY PRESENT A FINANCING OR LEASE-TO-OWN OFFER WHEN I APPLY?

RCL 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 offer, you may be presented additional offers from the other providers, which may be subject to credit approval.

HOW DO I PAY MY BILL?

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

SYNCHRONY BANK

FINANCING DETAILS

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.

Pay online: register your account at mysynchrony.com 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

WHAT HAPPENS IF I AM PRESENTED WITH AN OFFER?

You’ll have the opportunity to accept or decline the offer. Once presented with an offer, additional information and terms will be provided to you before you 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.

** qualifying 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.

Option #2: Shop Pay

How it works.

Add items to your cart (or shopping bag).

Check out with Shop Pay.

Choose the option to pay in installments.

Your first payment is due at checkout. The remaining payments are automatically charged to your card saved on Shop Pay based on the payment plan you chose. Don't worry, you'll get an email reminder before each payment to remind you.

Quick decision! Get a real-time decision on your eligibility.
Easy payments! Split your purchase into easy bi-weekly or monthly payments.
No surprises! No late or hidden fees.

SHOP PAY FAQ

What is the option to pay in installments on Shop Pay?

When checking out with Shop Pay, you now have the option to pay now or later. Paying in installments on Shop Pay allows you to split your purchase amount into four equal, biweekly installment payments with 0% APR, or monthly installments with no hidden or late fees*.

Note

*Rates from 0-36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. State notices to consumers affirm.com/licenses.

Which payment methods are accepted if I use the option to pay in installments on Shop Pay?

For non-interest bearing orders, debit and credit cards are accepted through Shop Pay. For interest bearing orders, you can only pay using a debit card.

Can I use Shop Pay Installments if I'm an international customer?

Shop Pay Installments is only available to customers with a United States billing address and a United States mobile phone number. Customers with international billing addresses or phone numbers can't use Shop Pay Installments.

Is there a limit to how much I can spend on a single Shop Pay Installments order?

Yes, 20,000 USD is the order value limit that applies to purchases using Shop Pay Installments, including discounts, shipping, and taxes.

Can I pay in-store with Shop Pay Installments?

Yes, we offer Shop Pay Installments at our retail locations. Come visit us in store to learn more.

Can I pre-qualify for a purchase amount before visiting the store?

No. An application for Shop Pay Installments can only begin with a live checkout. Applying in store only takes a few steps and you’ll get a real-time decision in minutes.

You can however click 'check my purchasing power' under any price tag to gather a quick idea on your eligibility.

Can I buy gift cards with Shop Pay Installments?

You can't purchase gift cards using Shop Pay Installments. If you want to purchase gift cards along with Shop Pay Installments eligible products, then you need to place two separate orders.

Are there late fees?

No, there are no late fees if you miss a scheduled payment.

What if I miss an installment payment?

There are no late fees for customers who miss a scheduled payment. However, partial payments or late payments might impact your credit score, or your eligibility to use Shop Pay Installments in the future. If you have questions about a missed installment payment, then you can contact Affirm support for assistance.

What if I make a return on a purchase made through installments with Shop Pay?

To request a refund, contact the store where you purchased your item. Using their return policy, the store will advise if a return is possible. If a return is possible, then the store will advise how much the refunded amount will be. After your refund is processed, the refund amount will be applied to your original payment method within 3-10 business days and your balance will be updated.

If your refund is less than your total purchase balance, then it might not lower your next payment. Instead, you can expect fewer payments, a smaller final payment, or both.

If your refund is more than your purchase balance, then the difference is returned to your original payment method within 3-10 business days.

If your order is made with interest payments, then the paid interest isn't refunded. When you make payments, the funds are first applied to the accrued unpaid interest and then to the principal. Interest is the cost of borrowing, and isn't refundable.

Have more questions?

For questions about installment payments on Shop Pay, visit https://shoppay.affirm.com/.

Rates from 0%-36% APR. Payment options through Shop Pay Installments, are subject to an eligibility check and are provided by these lending partners:affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. State notices to consumershttps://www.affirm.com/licenses.
If you finance your purchase with Affirm, your first payment is due approximately two weeks after your purchase is finalized. Please note that due to extended delivery times or pre-orders, your loan payment(s) may be due before you receive your purchase.