Flexible Payment Options
Bring Home the Furniture
You Love Today
We've partnered with Synchrony Bank to offer simple, affordable financing — including promotional 0% interest plans so you can furnish your home on your terms.
Apply Now — It's Quick & EasyApplying does not affect your credit score. Decisions in seconds.
Promotional Financing
0% Interest Plans
The more you spend, the longer you have to pay — with zero interest when paid in full within the promotional period. Minimum monthly payment required.
- No interest if paid in full
- Minimum payment required
- Great for accent pieces & tables
- No interest if paid in full
- Minimum payment required
- Perfect for sofas & bedroom sets
- No interest if paid in full
- Minimum payment required
- Ideal for full room packages
- No interest if paid in full
- Minimum payment required
- Mattresses, bases & accessories
Quick Reference
Simple Process
How It Works
Apply Online
Click "Apply Now" to complete your Synchrony application. It takes just a few minutes and decisions are instant.
Get Approved
Receive your credit decision within seconds. Your credit limit is assigned based on your application.
Shop & Choose
Visit either of our showrooms or shop online. Let us know you're using financing at checkout.
Enjoy Your Home
Your furniture is delivered with white glove service. Pay at your pace, interest-free.
Powered by Synchrony Bank · Secure application · No impact to credit to check eligibility
Questions & Answers
Financing FAQ
With a promotional deferred interest plan, no interest is charged if you pay your entire balance in full by the end of the promotional period. If your balance is not paid in full by the end of the period, interest that has been accruing from the purchase date will be charged to your account. Making minimum monthly payments is required to keep your account in good standing.
Yes — a minimum monthly payment is required every month during the promotional period. Failing to make minimum payments may cancel your promotional financing and result in interest charges. We recommend paying more than the minimum each month to ensure your balance is paid off before the promotional period ends.
If your balance is paid in full before the promotional period ends, no interest is charged. If any balance remains after the period, the standard purchase APR for your Synchrony account will apply to the remaining balance. Contact Synchrony Bank directly for your account's specific APR.
Yes. You can apply online before visiting our showrooms, or ask any of our team members to assist you with the application in-store at our Pleasanton or Milpitas locations. Once approved, your credit line can be used for your purchase the same day.
Submitting a full credit application may result in a hard inquiry on your credit report, which can have a small temporary effect on your credit score. Synchrony Bank will provide full details during the application process.
The 36-month 0% interest promotional plan applies exclusively to Tempur-Pedic® branded products sold at J Design Gallery, including Tempur-Pedic mattresses, adjustable bases, and accessories. Other items in the same purchase may qualify for a different promotional tier based on their portion of the order total. Ask our team for details.
For questions about your Synchrony account, billing, payments, or account management, contact Synchrony Bank directly at the number on the back of your card or visit synchrony.com. For questions about your furniture purchase, our J Design Gallery team is always happy to help at (925) 583-5006.
Ready to Get Started?
Apply in minutes — shop today, pay over time with 0% interest.
* Financing is offered through Synchrony Bank and is subject to credit approval. Promotional financing offers are subject to change. No interest will be charged on the promotional balance if you pay the full balance by the end of the promotional period. If you do not, interest will be charged on the promotional balance from the purchase date. Minimum monthly payments are required. See your credit agreement for terms. J Design Gallery is not a lender and all credit decisions are made by Synchrony Bank.