Enhanced multi-year partnership aims to drive merchants’ and partners’ business growth with seamless customer experience

STAMFORD, Conn. and ATLANTA, Ga. – June 26, 2024 – Synchrony (NYSE: SYF) announced today an enhanced partnership with Atlanticus Holdings Corporation (NASDAQ: ATLC). Atlanticus, through its bank partnerships, facilitates second look point-of-sale consumer credit programs spanning general purpose credit cards, private label credit cards, and installment loans predominately under the Fortiva brand. This enhanced partnership will deliver Synchrony merchants and partners a preferred second look financing solution designed to easily offer more customers access to credit, helping to increase merchants’ sales and brand loyalty.

Under this multi-year partnership, the program managed by Atlanticus will be the preferred second look financing solution for private label credit cards and installment loan products across Synchrony businesses. Synchrony merchants, including small businesses, healthcare providers and retail partners, will now have a streamlined enrollment process, a system that prioritizes ease of use and security, and favorable merchant pricing with Atlanticus.

“Synchrony and Atlanticus have partnered since 2019 to support merchants across industries in maximizing their growth potential by responsibly offering financing solutions to more customers,” said Florin Arghirescu, senior vice president and chief product officer at Synchrony. “This partnership aligns with our mission to help merchants and providers build loyalty through flexible products, capabilities and a great customer experience.”

The availability of this solution is expected to attract a broader customer base, including those financially underserved and those interested in general purpose credit cards, private label credit cards and installment loan product offerings made available through the program. This partnership will enable consumers who may not receive offers from Synchrony to obtain an instant second look for a credit or financing product.

“We are excited to expand our partnership with Synchrony to be the preferred second look financing platform for private label credit cards and installment loan products,” said David Caruso, chief commercial officer at Atlanticus. “This partnership furthers the ability to offer inclusive financial solutions, allowing our merchant partners to say, ‘yes’ more often.”

For more than 25 years and through multiple economic cycles, Atlanticus has leveraged proprietary analytics and innovative technology to enable its bank partners to offer fair credit products to meet the financial needs of everyday Americans.

This partnership is designed to allow customers who demonstrate responsible usage and repayment behavior over time the opportunity to graduate to a Synchrony credit product when appropriate.

Since 2019, Synchrony has offered multi-source financing solutions to merchants and partners across the enterprise in the form of private label credit cards, general purpose credit cards and short term and long-term installment loan products through one seamless, digital application.

Learn more about this partnership and how to enroll

About Synchrony

Synchrony (NYSE: SYF) is a premier consumer financial services company delivering one of the industry’s most complete digitally-enabled product suites. Our experience, expertise and scale encompass a broad spectrum of industries including digital, health and wellness, retail, telecommunications, home, auto, outdoor, pet and more. We have an established and diverse group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations and healthcare service providers, which we refer to as our “partners.”  We connect our partners and consumers through our dynamic financial ecosystem and provide them with a diverse set of financing solutions and innovative digital capabilities to address their specific needs and deliver seamless, omnichannel experiences.  We offer the right financing products to the right customers in their channel of choice. For more information, visit

About Atlanticus Holdings Corporation (NASDAQ: ATLC)

Empowering Better Financial Outcomes for Everyday Americans

Atlanticus’ technology allows bank, retail, and healthcare partners to offer more inclusive financial services to everyday Americans through the use of proprietary analytics. We apply the experience gained and infrastructure built from servicing over 20 million customers and $40 billion in consumer loans over our more than 25 year operating history to support lenders that originate a range of consumer loan products. These products include retail and healthcare private label credit and general purpose credit cards marketed through our omnichannel platform, including retail point-of-sale, healthcare-point of-care, direct mail solicitation, internet-based marketing, and partnerships with third parties. Additionally, through our CAR subsidiary, Atlanticus serves the individual needs of automotive dealers and automotive non-prime financial organizations with multiple financing and service programs.

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