Southern Materials Company Financing

Kitchen & Bathroom Financing Options

Q: Where do I pay my bill or manage my account?

Use the Pay or Manage Account link on the financing page to access the Synchrony account portal.

Q: Can financing be used for kitchen and bathroom projects?

The Southern Materials Company financing page is designed to support kitchen and bathroom projects. Customers can talk with the design team about project scope, product selections, and next steps.

Apply for, manage, and pay your Synchrony Home Credit Card account in one simple place.

Southern Materials Company offers financing resources for qualifying kitchen and bathroom projects. Use this page to apply for a Synchrony Home Credit Card, manage your account, pay your bill, and review current special financing offers.

Apply Online Manage Your Account Pay Your Bill Subject to Credit Approval

Apply Today Pay or Manage Account

*3% processing fee on all Synchrony transactions. Financing is subject to credit approval. See Synchrony application for full terms and conditions.

Plan now. Pay over time.

Financing can help homeowners move forward with the products, cabinetry, fixtures, showers, tubs, and finishes selected for their project.

Financing Actions

What Would You Like to Do?

Choose the option that fits where you are in the financing process.

Manage Your Account

Pay Your Bill

Access the Synchrony account portal to manage your account or make a payment.

Manage Account

✓

Financing Application

Apply Today

Apply online for a Synchrony Home Credit Card before or during your kitchen or bathroom planning process.

Apply Now

Questions?

View FAQs

Review common financing questions before applying or talk with the Southern Materials design team.

View FAQs

Current Special Financing Offers

Special Financing When You Apply or Use Your Synchrony Home Credit Card

Choose the offer tier that matches your approved project amount.

Project Financing

$1,000 – $14,999

6 Months

0% Interest

Financing $1,000 to $14,999
Receive 0% Interest for 6 Months
Subject to credit approval

Project Financing

$15,000 – $29,999

12 Months

0% Interest

Financing $15,000 to $29,999
Receive 0% Interest for 12 Months
Subject to credit approval

Project Financing

$30,000+

18 Months

0% Interest

Financing $30,000+
Receive 0% Interest for 18 Months
Subject to credit approval

Important: *3% processing fee on all Synchrony transactions. All financing is subject to credit approval. See Synchrony application for full terms and conditions.

How Financing Fits the Remodel Process

A Clearer Way to Plan Products, Pricing, and Timing

Financing works best when it supports a clear design plan and an approved product list.

Schedule a Consultation

Meet with a Southern Materials designer to talk through your kitchen or bathroom goals.

Review Your Scope

Discuss products, fixtures, cabinetry, surfaces, showers, tubs, and the level of remodel you are planning.

Apply for Financing

Use the Synchrony application to review available credit approval options for your project.

Finalize Selections

Once approved, move forward with selected materials, ordered products, and installation coordination.

In-Home Consultation

Ready to Plan Your Project?

Schedule a free in-home consultation with our design team and partner contractor.

We can help you understand the project scope, product selections, and financing path that may fit your kitchen or bathroom remodel.

Schedule Free In-Home Consultation

Click to Call Us

Questions? Let us help. Speak to one of our designers today.

(417) 865-2822

Click to Email Us

Send us your project questions, product questions, or financing questions.

contact@southernmaterials.com

Financing FAQs

Common Financing Questions

A few simple answers before you apply or manage your account.

Where do I apply for financing?

You can apply online using the Synchrony application link on this page. Financing is subject to credit approval.

Where do I pay my bill or manage my account?

Use the “Pay or Manage Account” link on this page to access the Synchrony account portal.

What financing offers are listed?

The listed offers are 0% Interest for 6 months on $1,000 to $14,999, 0% Interest for 12 months on $15,000 to $29,999, and 0% Interest for 18 months on $30,000+.

Is financing guaranteed?

No. Financing is subject to credit approval through Synchrony.

Is there a processing fee?

Yes. The current note states that there is a 3% processing fee on all Synchrony transactions.

Can financing be used for kitchen and bathroom projects?

This page is designed to support kitchen and bathroom projects through Southern Materials Company. Talk with our team about your project scope, product selections, and next steps.

Ready to Move Forward?

Plan the Project. Review Your Options. Start With a Designer.

Whether you are remodeling a bathroom, updating a kitchen, or planning custom cabinetry, our team can help you connect the design plan with financing resources.

Apply Today Pay or Manage Account Call (417) 865-2822