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Financing

No Interest if Paid in Full Within 12 Months*

On purchases of $999.00 or more made with your Y Credit Card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 12 months. Minimum monthly payments required.

  • Free Shipping on qualifying orders
  • Use your Y Credit Card anytime you shop**
  • Make payments online, via phone or by mail

*No interest will be charged on the promo purchase if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo purchase from the purchase date. The required minimum monthly payments may or may not pay off the promo purchase by the end of the promo period. Regular account terms apply to non-promo purchases and, after promo period ends, to the remaining promo balance. For new accounts: Purchase APR is 29.99%. Minimum interest charge is $2.00. Existing cardholders: See your credit card agreement terms. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer anytime.
**Purchases subject to credit approval.

Frequently Asked Questions

  • What is the Y Credit Card?
    The Y Credit Card is issued and administered by Synchrony Bank, which provides a revolving credit limit to qualified applicants. The Y Credit Card can be used to make purchases online at YLiving as well as YLighting and Lumens.
  • How do I apply for a Y Credit Card?
    Applying is easy, just select Apply Now to start the 3-step application process. Application subject to credit approval by Synchrony Bank.
  • Do I need a YLiving account in order to apply for the Y Credit Card?
    If you are not a registered YLiving customer, you will be prompted to create an account before applying. If you are a registered customer, sign in using your YLiving.com email and password.
  • How do I check the status of my Y Credit Card account?
    Sign into your YLiving Credit Card account to view your account balance, payment history, update your information, and much more.
  • How do I make payments for my Y Credit Card account?
  • Pay Online: Select Manage My Account to set up your online payments.
  • Pay By Phone: Contact Synchrony Customer Service during business hours at (866) 396-8254.
  • Monday - Friday 7:30 AM - 12:00AM ET
    Saturday 10:00 AM - 7:00PM ET
    Sunday - Closed.
  • Pay By Mail: To ensure your payment is on time, mail in advance of the payment due date. Send payment to:
  • Synchrony Bank
    P.O. Box 960061
    Orlando, FL 32896-0061
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