Financing

Promotional financing options (1) help you get what you really want or need

You don’t have to let a small budget keep you from getting what you really want or need. That’s why PenVal constuction offers promotional financing options when your purchase is made with a Home Design HVAC credit card issued by Synchrony Bank.

Synchrony Bank (formerly GE Capital Retail Finance) is one of the premier consumer financial services companies in the United States with over 80 years of retail heritage, and today is the largest provider of private label credit cards in the United States2.

Synchrony Bank can provide you with promotional financing options for major purchases, offering you a budget-friendly way to help you get what you really want or need. Expand your purchasing power and convenience with:
Finance Your Next Dream Kitchen!

• A simple application process, and fast credit decisions
• Unsecured, revolving credit lines
• Open credit line for future purchases
• Promotional financing options1
• Convenient monthly payment options
• On-line account management

To learn more about promotional financing options from Synchrony Financial, please contact your PenVal Construction sales consultant!

1, Subject to credit approval. Minimum monthly payments required. See store for details.

2. Based on purchase volume and receivables.

For all promotions: Qualifying purchase must be made with your Home Design HVAC credit card issued by Synchrony Bank and a $29 account activation fee will apply and be charged at the time first purchase posts to account. For new accounts: Purchase APR is 26.99%; Minimum Monthly Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

If your application is approved, or, if you are an existing cardholder, the below promotional financing options may be available.

Plan 605: No Monthly Interest if Paid in Full Within 18 Months

Plan 605: No Monthly Interest if Paid in Full Within 18 Months (Deferred Interest) 3.
Monthly interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 18 months.
Fixed monthly payments are required equal to 2.50% of the highest balance applicable to this promo purchase until paid in full. See below for additional information.

3 No monthly interest will be charged on the promo purchase if you pay the promo purchase amount in full within 18 Months. If you do not, monthly interest will be charged on the promo purchase from the purchase date. Fixed monthly payments are required equal to 2.50% of the highest balance applicable to this promo purchase until paid in full. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Depending on purchase amount, promotion length and payment allocation, the required minimum monthly payments may or may not pay off purchase by end of promotional period. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases, except that the fixed monthly payment will continue to be required until the promo purchase is paid in full.**

**For new cardholders interest accrues at 26.99%

Plan 602: 5.99% APR and fixed monthly payments

Plan 602 reduced 5.99% APR and fixed monthly payments equal to 3.00% of promo purchase amount – Until Paid in Full 4.
Estimated payoff period 37 months. See below for additional information.

4 Monthly interest will be charged on promo purchases from the purchase date at a reduced 5.99% APR, and fixed monthly payments are required equal to 3.00% of initial promo purchase amount until promo is paid in full. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases.

Plan 604: 7.99% APR and fixed monthly payments

Plan 604 reduced 7.99% APR and fixed monthly payments equal to 2.00% of promo purchase amount – Until Paid in Full 5.
Estimated payoff period 61 months. See below for additional information.

5 Monthly interest will be charged on promo purchases from the purchase date at a reduced 7.99% APR, and fixed monthly payments are required equal to 2.00% of initial promo purchase amount until promo is paid in full. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases.

Plan 600: 9.99% APR and fixed monthly payments

Plan 600 reduced 9.99% APR and fixed monthly payments equal to 1.25% of promo purchase amount – Until Paid in Full 6.
Estimated payoff period 132 months. See below for additional information.

6 Monthly interest will be charged on promo purchases from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required equal to 1.25% of initial promo purchase amount until promo is paid in full. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases.