• SetPay is Synchrony's flexible Buy Now, Pay Later (BNPL) payment solution that allows customers to finance a one-time purchase and pay it back over time through set, equal monthly payments.
• TJX offers SetPay installment loan options to be paid back over 3 or 6 months at 0% APR subject to credit approval for purchase amounts between $399-$3000. Monthly payments depend on the repayment period selected. Amounts funded above $800 will be eligible for 6-month option only.

Yes. SetPay is a single-purchase installment loan, which gives customers the power to make purchases today and pay them off over time in predictable, equal monthly payments. Customers can have more than one SetPay loan open simultaneously, but each loan is closed when it is paid in full.

No. Synchrony will not be issuing a card when this loan is opened because this loan is not a credit card.

• No. Synchrony SetPay is an installment loan and can only be used to finance the original purchase for which it was opened.
• You may apply for additional SetPay installment loans to use for future purchases if offered at checkout.
• You can have multiple Synchrony SetPay and/or other Synchrony loans, subject to credit approval.

Yes, you can have multiple Synchrony SetPay and/or other Synchrony loans, subject to credit approval.

• You have up to seven days from approval to accept the offer and add the virtual card to your wallet.

A card must be used within 24 hours from the time it was added to Apple Wallet or Google Wallet.

You should only request the total amount including taxes, and not any additional funds. If the entirety of the SetPay loan is not utilized in one transaction, the remainder is forfeited and will not be available to use at a later date.

Yes. We will check a credit bureau when determining your eligibility for this loan.

Applying for a SetPay product with four or less payments will not impact your credit bureau score. Applying for a SetPay product with more than four payments may impact your credit bureau score.

No, Synchrony SetPay loans do not require activation.

When you are approved for your SetPay loan, you will add the virtual card to your Apple or Google Wallet and utilize that as the form of tender.

• Pay by debit card or ACH Transfer on eService at setpay.syf.com
• Pay by debit card or ACH Transfer with a Synchrony Associate at 844-373-4960.
• You cannot make a payment on a SetPay account in-store.

Yes- autopay is available for SetPay. To enroll, please visit setpay.syf.com or call 1-844-373-4960

If a scheduled payment is not paid in full within two days after its scheduled due date, you will be charged a late fee of $25 but no more than the scheduled payment amount.

Please contact us at 1-844-373-4960 to discuss your situation with a representative.

• Your loan will be automatically closed once your final loan payment has been made and the loan has a zero balance.
• If you would like a payoff quote on your loan, please contact customer service at 1-844-373-4960. You can also view your payoff quote (as of that day) by going online to setpay.syf.com.

Please contact customer service : 1-844-373-4960.

Several factors are taken into consideration when granting credit. If you believe that there may be incorrect information on your credit bureau report, you may contact the agency referenced in the letter.

No. There is no way to change the loan terms once the loan is accepted and completed. The loan terms are approved by you at the time of application and will remain in effect for the duration of the loan.

There is no penalty or fee for prepayment of this loan in whole or in part.

A copy of the loan contract was provided at the time the loan was opened. To get another copy, please call customer service at 1-844-373-4960.

• Yes. You may return part or all of your order via TJX’s return policy.
  1. Full Refund: If the entire purchase is returned to TJX, it is considered a full return. TJX will credit the loan balance with the purchase amount, which pays off the principal.
  2. Partial Refund: A partial return will reduce the principal balance. The remaining principal and interest (if applicable to your SetPay loan) will still be due on your loan. As a result, you may pay off the loan sooner, depending on the size of the return.
  3. Merchandise credit is only available for a non-receipted return or if the virtual card is not available.

• If you do not have a receipt, the return will be processed under the current TJX return policy.
• You will still be responsible to re-pay your SetPay loan under the original loan terms.