Don’t let limited cash-on-hand keep you from being comfortable.

The Ruud Synchrony® Financing credit card program makes it easy to find a payment that works for you! With many options and benefits available, Synchrony® Financing credit card is the best way to get the home comfort you need without the wait. Here are just a few of the ways the Synchrony® Financing credit card program delivers on its name.

Synchrony Financial

FTL Finance

Less than perfect credit? No worries!

We offer alternative financing programs for consumers with less than perfect credit.

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Just like all of our Ruud products, the Ruud Synchrony® Financing credit card program is designed to bring you comfort without the headaches. So when your contractor is providing solutions for your home comfort needs, ask about financing your purchase with the Synchrony® Financing credit card.

Everyone likes to be comfortable, but not everyone’s financing needs are the same. That’s why Synchrony® Financing credit card offers a variety of financing options to suit your family’s budget.

  • Applications made easy
    Your contractor can help guide you through our quick and easy application process. Plus, you can apply for the Synchrony® Financing credit card 7 days a week – we’re there when you need us.
  • Quick Credit Decisions
    You don’t want to wait on comfort, and you don’t want to wait for your financing decision to come through. That’s why we’ve made our credit processing fast and efficient, so you’ll have an answer within minutes.
  • Fast credit for the future
    With Ruud Synchrony® Financing credit card, you have the convenience of being able to finance everything – from your original equipment purchase to subsequent service, from Protection Plus® extended warranties to comfort options you may decide to add later.
  • Deferred Interest/No Interest If Paid In Full Financing Options
    Deferred Interest Financing allows the convenience of monthly payments over time. The interest that accrues from the date of purchase is not assessed to the account as long as the promotional balance is paid in full before the promotional due date.
  • Reduced Interest/Fixed Payment Financing Options
    With this type of financing option, monthly payments are the same each month and are required until the promotional purchase is paid in full.
  • Minimum Monthly Payments
    You can’t always foresee household expenses, and may need to take advantage of convenient monthly payments over time to help fit the expense into your budget. The Synchrony® Financing credit card offers a variety of financing options to help meet your needs.
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