Synchrony

Synchrony is a premier consumer financial services company delivering one of the industry’s most complete digitally-enabled product suites. The company’s experience, expertise, and scale encompass a broad spectrum of industries, including digital, health and wellness, retail, telecommunications, home, auto, outdoor, pet, and more. Synchrony has established a diverse group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers, referred to as their “partners.” They connect their partners and consumers through a dynamic financial ecosystem, providing a diverse set of financing solutions and innovative digital capabilities to address specific needs and deliver seamless, omnichannel experiences. Synchrony offers the right financing products to the right customers in their channel of choice.

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A new study finds that more consumers obtained short-term payment relief on their credit cards during the first 18 months of the pandemic than on any other type of loan except student debt, where forbearances were mandated by federal law. The study also finds evidence that pandemic relief initiatives may have reduced damage to the credit reports of consumers who sought long-term assistance through credit counseling and debt management programs.
FinRegLab has launched a new research project using data from the National Foundation for Credit Counseling (NFCC) to evaluate ways to help consumers recover more quickly from personal and economic crises such as COVID-19. The project will analyze pilot initiatives by nonprofit counseling agencies and other data sources as a springboard for considering broader market and policy changes.