Mor Furniture Synchrony Credit Card

For use in-store and online. Appropriate for a wider range of credit scores.

  • Special financing offers
  • Early invitations to special events & sales
  • Exclusive cardholder promotions
  • Online account management
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NOVA00005:Nova Sofa,

Mor Furniture Synchrony Credit Card

For use in-store and online. Appropriate for a wider range of credit scores.

Mor Furniture Credit Card Special Financing Offers

Offered by Synchrony Bank in Stores

Plan Minimum Purchase Term Interest Additional Details

No Interest if Paid in Full Within 6 Months*

$300+

6 months

0%

On purchases of $300 or more made with your Mor Furniture 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.

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*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 Accounts as of 7/31/25: Purchase APR is 34.99%. Penalty APR is 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer at any time.

No Interest if Paid in Full Within 12 Months**

$999.99+

12 months

0%

On purchases of $999.99 or more made with your Mor Furniture 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.

See More Details

**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 Accounts as of 7/31/25: Purchase APR is 34.99%. Penalty APR is 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer at any time.

No Interest if paid in full within 18 months***

$2000+

18 months

0%

On purchases of $2000 or more made with your Mor Furniture Credit Card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 18 Months. Minimum monthly payments required.

See More Details

**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 Accounts as of 7/31/25: Purchase APR is 34.99%. Penalty APR is 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer at any time.

9.99% APR With Fixed Monthly Payments For 60 Months****

$499+

60 Months

9.99%

On purchases of $499 or more made with your Mor Furniture Credit Card. Fixed monthly payments required for 60 months.

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****Qualifying purchase amount must be on one receipt. 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 2.1242% 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. 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 7/31/25: Purchase APR is 34.99%. Penalty APR is 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer at any time.

No Interest with Equal Monthly Payments for 31, 41, 51 or 61 Months++

31 MONTHS - On purchases of $3000 - $3999.99 made with your Mor Furniture Credit Card. Equal Monthly payments required for 31 Months.

41 MONTHS - On purchases of $4000 - $4999.99 made with your Mor Furniture Credit Card. Equal Monthly payments required for 41 Months.

51 MONTHS - On purchases of $5000 - $5999.99 made with your Mor Furniture Credit Card. Equal Monthly payments required for 51 Months.

61 MONTHS - On purchases of $6000 or more made with your Mor Furniture Credit Card. Equal Monthly payments required for 61 Months.

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++Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. No interest and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the amount financed divided by the number of months in the promo period, 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. 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 7/31/2025: Purchase APR is 34.99%. Penalty APR is 39.99%. Min Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer at any time.

No Interest with Equal Monthly Payments for 72 Months on Mattresses

Mattresses $1999+

72 Months

0%

On purchases of a mattress $1999 or more made with your Mor Furniture Credit Card. Equal Monthly payments required for 72 Months. In-Store Only.

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Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. No interest and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the amount financed divided by the number of months in the promo period, 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. 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 7/31/2025: Purchase APR is 34.99%. Penalty APR is 39.99%. Min Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer at any time.

Less than perfect credit? No worries.

Mor Furniture Silver Card
Appropriate for a wider range of credit scores
  • Alternate providers options explored
  • We will help find the perfect options
  • Not affiliated with Synchrony or the Mor Furniture for Less Credit Card
Manage Account
American First Finance Card
Financing options regardless of credit
  • No upfront fee to start
  • Approvals up to $5,000
  • 101 day payment options
Manage Account Apply

Apply for one of our special furniture financing options and take home your purchases today. At Mor Furniture for Less, our mission is to deliver high-quality furniture at affordable prices. This is our commitment to our community, and we offer exceptional promotional financing options to suit any family’s budget.

Great furniture, the best prices, and special financing near you – what more can you ask for? Before you know it, you’ll be home relaxing and enjoying your new furniture.

Now Offering Buy Now Pay Later
Pay your way with Affirm, now available both online and in-store.
  • Flexible payment options to fit your budget
  • Quick and easy checkout experience
  • Transparent terms with no hidden fees

How does Affirm work?

1. Fill your cart
When you're done shopping, select Affirm at checkout.
2. Choose how to pay
Enter a few pieces of info for a real time decision.
3. Pay over time
Make 4 payments every 2 weeks at affirm.com or in the Affirm app. You'll get
email and text reminders.

How do I make my payments?

You can make or schedule payments at affirm.com or in the Affirm app for iOS or
Android. Affirm will send you email and text reminders beforepayments are due.

Does checking my eligibility affect my credit?

No, your credit won't be affected when you create an Affirm account or check
your eligibility (including checking your pre qualification eligibility).When you
apply for or check to see if you prequalify for Affirm financing, it'sconsidered a soft inquiry, which does not affect your credit. If you decide topay with installments through Affirm, your payment plan and repaymentt activity may be reported to credit bureaus. You can find more informationon Affirm's Help Center.

Where can I learn more about Affirm?

Where can I learn more about Affirm?
You can visit their website at affirm.com.

Now Offering Buy Now Pay Later
Afterpay is now offered online for easy payment options
  • Get everything you need now
  • Make the first payment upfront and the rest over time

What is After Pay?

Afterpay is a service that allows us to offer our customers the ability to make purchases now and pay for them over time. Customers using the pay-in-4 option pay for their purchase total in four interest-free installments over six weeks. Customers get additional time to pay for high value orders when they use the monthly payments option, an installment-based lending product available at select merchants. To learn more, visit www.afterpay.com.

How do I use Afterpay online?

Just shop on MorFurniture.com and checkout as usual. At checkout, choose Afterpay as your payment method. Log in or create an account and complete your order—it’s that easy!

Where can I find out more about Afterpay?

For more information, visit Afterpay’s FAQ page here. If you have a question about your Afterpay account, please contact their team via chat in the Afterpay app or submit a question here.

*On purchases of $300 or more made with your Mor Furniture 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.

**On purchases of $999.99 or more made with your Mor Furniture 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.

***On purchases of $2000 or more made with your Mor Furniture Credit Card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 18 Months. Minimum monthly payments required.

****On purchases of $499 or more made with your Mor Furniture Credit Card. Fixed monthly payments required for 60 months.

++No Interest with Equal Monthly Payments for 31, 41, 51 or 61 Months++

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