Financing
No Interest if paid in full within 12 months§
Beautiful floors now, 12 months to pay. Use your Carpet One Synchrony HOME™ Credit Card at Rays and pay no interest if your purchase is paid in full within 12 months. It works on flooring, window coverings and installation, with no minimum purchase.
Applying takes a few minutes online, and you can see if you prequalify with no impact to your credit score.
Opens Synchrony's secure application in a new tab.
No Interest if paid in full within 12 months§. Minimum monthly payments required.
Click Apply Now and fill out Synchrony's secure application from your phone or computer. You can check if you prequalify first.
You'll usually hear back right away. If approved, you'll get an account number you can use with us the same day.
Visit our Kiernan Avenue showroom or book a free in-home estimate. Let us know you'd like to use your 12-month offer.
This is a deferred-interest offer. Pay the full promotional balance within 12 months and no interest is charged on it.
If any of the promotional balance is left after 12 months, interest is charged from the original purchase date. An easy way to stay on track is to divide your total by 12. For example, a $3,000 project is $250 a month.
Use your Carpet One Synchrony HOME™ Credit Card at Rays any time. To check your balance or make a payment, sign in to your account at Synchrony.
Checking whether you prequalify does not affect your credit score. Submitting a full application is a credit inquiry, the same as any credit card.
No. The 12-month offer applies to any qualifying purchase at Rays Carpet One.
Flooring, window coverings and installation from Rays. The card is also accepted at other Synchrony HOME retailers.
Yes. Apply online now, or our team can help you apply at the showroom or during your free in-home estimate.
Interest is charged to your account from the purchase date on the remaining promotional balance. Paying the total divided by 12 each month keeps you on track.
The Carpet One Synchrony HOME™ Credit Card is issued by Synchrony Bank. Rays Carpet One does not make credit decisions.
Apply in minutes, then let us bring samples to your home and give you a written estimate at no cost.
On purchases made with your Carpet One Synchrony HOME™ Credit Card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 12 Months. Minimum monthly payments required.
§ No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. 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. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. For New Accounts: As of 07/31/2025, Purchase APR is 34.99%. Penalty APR is 39.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.