Do the job properly. Pay for it over time.
A ceramic coating or a full protection package is the kind of work you do once and live with for years, and the right answer is rarely the cheapest one. Financing through Synchrony means the budget this month does not have to decide how well the car is protected for the next decade.
Prequalifying takes seconds and has no impact on your credit score. Subject to credit approval.
How it works
- 01
Check where you stand
Prequalify on Synchrony's site in about a minute. Soft check, no impact to your score, and you find out before you have committed to anything.
- 02
See your actual terms
If you go on to apply, Synchrony shows you the offer you qualify for — the term, the payments, and the rate — before you accept it. We are not in that loop and we do not set any of it.
- 03
Book the work
Bring the approval to your consultation. Knowing the number up front means we can spec the package around your real budget instead of quoting into the dark.
Common questions
Will checking hurt my credit score?
Prequalifying does not. It is a soft check that comes back in seconds and tells you where you stand with no impact to your score, which is why we point most people there first. Submitting a full application afterwards is a different matter — that is a hard credit inquiry and it can affect your score. The application screen tells you which one you are doing before you commit to it.
What are the rates and terms?
Synchrony sets those, and they depend on the offer you qualify for, so we deliberately do not quote numbers we are not the ones deciding. You will see your actual terms during the application, before you accept anything. If a shop ever tells you the rate before the lender has, treat that as a reason to slow down rather than a convenience.
How does the promotional financing actually work?
Carefully, is the honest answer, and it is worth two minutes of your attention. Car Care promotions are deferred interest, which does not mean interest-free — it means the interest is calculated from the day of the purchase and held back rather than waived. Pay the promotional balance in full before the promotional period ends and you owe none of it. Miss it, and the whole amount that has been accruing since day one gets added to your balance, not just the interest on what is left. Minimum monthly payments are required throughout, and here is the part that catches people: paying only the minimum will usually not clear the balance in time. Work out what it takes to pay it off inside the window and pay that instead.
What can I use it for?
Any service we offer — window tint, ceramic coating, paint correction, detailing, paint protection film, or a combination. It is most useful on the multi-day work, where the invoice is large enough that spreading it changes whether the job happens this month or next year. Approval amounts vary, so on a large protection package it is worth applying before you finalise the spec.
Do you charge more if I finance?
No, and we could not if we wanted to. Synchrony charges us a fee on financed transactions and their merchant rules prohibit passing it on, so there is no financing surcharge and no separate cash price. The price of the work is the price of the work either way.
Can I apply before I book?
Yes, and most people should. Knowing your approved amount before the consultation means we can build the package around a real number instead of guessing, and it removes the awkward moment where a quote lands above what you expected. Bring the approval to your appointment.
What if I am declined?
The decision is entirely Synchrony's and we are not told why. It does not change anything on our end — we will still quote the work, and we can usually stage a larger job into phases across separate visits so it fits the budget you actually have. Ask us about that rather than walking away.
Subject to credit approval. Financing is a credit program offered by Synchrony Bank, not an in-house payment plan from Southern Luxe Detailing. We are not a lender, we do not set the terms, and we do not make the credit decision. Rates, terms, and approval amounts are determined by Synchrony and are shown to you during the application before you accept anything. For questions about an existing account, contact Synchrony at 844-373-4960.
Synchrony Car Care promotions are deferred interest. Interest accrues from the date of purchase and is charged in full if the promotional balance is not paid off before the promotional period ends. Minimum monthly payments are required and may not pay off the balance in time. How deferred interest works, explained by Synchrony.
Protect the investment.
Book a consultation and we'll walk through what the car needs — and what it doesn't.