Homeowner Financing Options For Construction & Building Materials

Affordable Payment Plans

J&W Lumber offers consumer financing for construction and building materials. Simply decide which program best fits your needs, submit credit application in-store for instant approval, and start living in the backyard of your dreams! (Subject to credit approval with Synchrony Bank.)

Current Account holders can log into their account through Synchrony Financial.

J&W Lumber Financing Options:

Reduced APR with Fixed Payments promotional options are great choices if you are looking for a lower APR with predetermined payments to allow you to fit the purchase into your budget.

Synchrony Bank offers through J&W Lumber, two of these promotional financing options to best fit your needs.

Plan 300 Reduced 14.99% APR and fixed monthly payments equal to 2.00% of purchase amount – Until Paid in Full ¹

On purchases with your Synchrony Bank credit card. $29 account activation fee may apply. Estimated
payoff period 79 months. See reverse side for additional information.

Plan 302 Reduced 9.99% APR and fixed monthly payments equal to 4.00% of purchase amount – Until Paid in Full ²

On purchases with your Synchrony Bank credit card. $29 account activation fee may apply. Estimated
payoff period 28 months. See reverse side for additional information.

Save your cash by deferring interest during the promotional period. The Deferred Interest promotional option is a great choice if you will have funds to pay the balance in full by the end of the promotional period.

Plan 301 No Monthly Interest if Paid in Full Within 6 Months (Deferred Interest) ³

On purchases with your Synchrony Bank credit card. Monthly interest will be charged to your account from the purchase date if the purchase is not paid in full within 6 months. $29 account activation fee may apply. Fixed monthly payments are required equal to 2.50% of the highest balance applicable to this purchase until paid in full.

For full disclosure information, please see the review here.(link to disclosure PDF)

Supporting Promo Disclosures:

Terms & Conditions

¹ Offer applies only to purchases made with your Synchrony Bank Credit Card. Monthly interest will be charged on promo purchases from the purchase date at a reduced 14.99% APR, and fixed monthly payments are required equal to 2.00% of initial promo purchase amount until promo is paid in full. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases. For new accounts: Purchase APR is 26.99%; Minimum Monthly Interest Charge is $2. Account Activation Fee is $29. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

² Offer applies only to purchases made with your Synchrony Bank Credit Card. Monthly interest will be charged on promo purchases from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required equal to 4.00% of initial promo purchase amount until promo is paid in full. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases. For new accounts: Purchase APR is 26.99%; Minimum Monthly Interest Charge is $2. Account Activation Fee is $29. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

³ Offer applies only to purchases made with your Synchrony Bank Credit Card. No monthly interest will be charged on the promo purchase if you pay the promo purchase amount in full 6 Months. If you do not, monthly interest will be charged on the promo purchase from the purchase date. Fixed monthly payments are required equal to 2.50% of the highest balance applicable to this promo purchase until paid in full. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Depending on purchase amount, promotion length and payment allocation the required minimum monthly payments may or may not pay off purchase by end of promotional period. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases, except that the fixed monthly payment will continue to be required until the promo purchase is paid in full. For new accounts: Purchase APR is 26.99%; Minimum Monthly Interest Charge is $2. Account Activation Fee is $29. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

J&W Lumber reserves the right to alter or discontinue these offers at any time.