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At Home launches buy-now-pay-later, mobile payment options

At Home store
At Home is teaming up with Synchrony (Photo: Business Wire).

At Home is offering customers more flexibility in how they make their purchases.

The value home décor retailer is now providing buy-now-pay-later (BNPL) financing via the Synchrony Pay Later solution. Consumers can apply for a Synchrony Pay Later interest-free loan to make equal payments over three months on one-time purchases between $75 and $400 ,without impacting their credit score,

At Home is offering Synchrony Pay Later in addition to its At Home Insider Perks credit card, which offers six-month special financing on qualifying purchases at the retailer.

The company is also allowing At Home Insider Perks cardholders to add their cards to certain third-party mobile wallets. The card can be added to Apple Pay, Google Pay, or Samsung wallets.

To apply for Synchrony Pay Later in a store, customers can scan a QR code to complete an application on their own device or can apply online. There is no impact to their credit bureau score to apply. If approved, customers may complete their purchase immediately. 

And to apply for an At Home Insider Perks credit card and start earning 5% back in rewards on At Home purchases, customers can see if they prequalify with no impact to their credit score and then apply by the At Home e-commerce site or app.  They can also apply at any store. Applications are reviewed instantly, and approved cardholders can use their account to make purchases right away. 

At Home stores average 100,000 sq. ft. and sell up to 45,000 items. The offerings include furniture, rugs, wall art, housewares tabletop, patio and holiday décor.

[Read more: At Home passes supply chain savings to customers]

"We are committed to offer customers a convenient and easy shopping experience. Our customers have evolved to a mobile-first lifestyle so having payment options that can be included in mobile wallets is perfect," said Lee Bird, chairman and CEO of At Home. "In partnership with Synchrony, the addition of Synchrony Pay Later allows our customers another option to shop on a budget and plan for their purchases."

"Whether through credit card programs, buy now, pay later, or enabling new capabilities such as provisioning credit cards for mobile wallets, Synchrony is focused on helping partners grow by offering customers choice, flexibility, and convenience," said Curtis Howse, CEO of Home and Auto at Synchrony. "We want partners to not only attract new customers for purchases, but build lifelong, mutually beneficial relationships."

Based in Dallas, At Home was acquired in July 2021 by private-equity firm Hellman & Friedman in an all-cash transaction valued at $2.8 billion. At Home currently operates 264 stores in 40 states.

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