Upgrading your living or dining space with modular, space-saving furniture is more accessible with flexible financing. Transformer Table partners with Synchrony to offer structured payment options through the Synchrony HOME™ Credit Card, alongside alternative instalment options via Bread Pay and Klarna.
This guide outlines available promotional plans, eligibility thresholds, credit impacts, and key account terms.
Promotional Financing Tiers
Depending on your total purchase amount (excluding taxes and delivery fees), you can choose from short-term deferred interest options or a long-term fixed APR plan at checkout:
| Plan Length | Interest Rate / Terms | Minimum Purchase | Monthly Payment Structure | Key Requirements & Post-Promo Rate |
| 6 Months | 0% Deferred Interest (No interest if paid in full) | $500 | Minimum monthly payments required | No Interest IF Paid in Full: You pay 0% interest if the entire promo balance is paid off before the term ends. Taxes and shipping are excluded from the promo total. Watch Out for Deferred Interest: If any balance remains when the promo ends, interest will be charged on the entire original purchase amount starting back from day one. Minimum Payments Aren't Enough: 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. Post-Promo & Regular Rates: Unpaid promo balances and regular non-promo purchases carry a standard 34.99% Purchase APR (plus a 39.99% Penalty APR if payments are late). |
| 12 Months | 0% Deferred Interest (No interest if paid in full) | $1,000 | Minimum monthly payments required | |
| 18 Months | 0% Deferred Interest (No interest if paid in full) | $2,000 | Minimum monthly payments required | |
| 60 Months | 9.99% Fixed APR | $2,999 | Fixed equal monthly payments (~2.1242% of financed amount) | Fixed Reduced APR: You pay a reduced 9.99% interest rate (APR) on the financed amount starting from the purchase date, rather than the standard rate. Taxes and shipping are excluded from the offer. Fixed Monthly Payment: Your monthly payment is set at roughly 2.13% of the total purchase amount (rounded up to the nearest dollar) each month until paid off in full. Higher Minimum Payment: Because this plan requires set equal payments to pay off the balance in 60 months, your monthly payment will likely be higher than a standard minimum credit card payment. Final Month Adjustment: Because monthly payments are rounded up, your payment during the final month(s) may be slightly lower to account for the difference. Standard Terms: Regular non-promotional purchases carry the standard 34.99% Purchase APR (plus a 39.99% Penalty APR for late payments). |
General Account Terms
Qualifying Card Required: All promotional financing offers require making your purchase using the Synchrony HOME™ Credit Card.
Standard Terms for Regular Purchases: Any non-promotional purchases (or balances left after promo periods end) follow standard credit card account terms.
Estimates Exclude Taxes & Delivery: Cart and product page payment estimates do not include sales tax or shipping fees. Your actual monthly payment will be recalculated based on your final checkout total.
Existing Cardholders: Current account holders should refer to their existing credit card agreement for specific terms and rates.
Alternative Payment Options & Network Acceptance
Bread Pay & Klarna: Available directly at checkout for alternative flexible instalment plans.
Synchrony HOME™ Acceptance: In addition to Transformer Table orders, your approved card is accepted at thousands of participating home-related retail partners across the U.S. and Puerto Rico.