Synchrony and Polaris Renew Consumer Financing Partnership to Offer Flexible Payment Options for Powersports Customers
Rhea-AI Summary
Synchrony (NYSE:SYF) and Polaris (NYSE:PII) renewed their nearly 20-year consumer financing partnership on Feb 25, 2026. The agreement continues promotional financing and installment loan support for vehicles, parts, accessories, gear, and select service products through Polaris' U.S. dealer network.
Polaris dealers retain access to Synchrony’s digital tools and PRISM underwriting to speed credit decisions and support responsible financing.
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News Market Reaction – PII
In the Feb 25 session, PII declined 2.74%, reflecting a moderate negative market reaction.
Data tracked by StockTitan Argus on the day of publication.
Key Figures
Previous Partnership Reports
| Date | Event | Sentiment | 24h Move | Catalyst |
|---|---|---|---|---|
| Apr 09 | Weather protection partnership | Positive | +14.7% | Weather Guarantees added to Polaris Adventures bookings across U.S. and Canada. |
| Apr 08 | Retail financing extension | Positive | -8.7% | Multi-year renewal of Sheffield Financial retail financing program for dealers. |
| Nov 18 | Gaming brand collaboration | Positive | -0.2% | RZR Pro R 4 integrated into Call of Duty Warzone as official off-road partner. |
24h Move is the share-price change in the day after each event; other market factors may also have contributed.
Recent partnership announcements have produced mixed reactions, with one strong positive move and two mild-to-moderate declines despite similar collaborative themes.
Over the past year, Polaris has used partnerships to enhance customer experience and distribution. A weather-guarantee collaboration with Sensible Weather on Apr 9, 2025 saw a strong 14.73% gain, while the Sheffield Financial retail financing extension on Apr 8, 2025 coincided with an -8.66% move. A branding and gaming tie-up with Call of Duty on Nov 18, 2024 had a minimal price reaction. Today’s renewed Synchrony financing partnership fits within this pattern of customer- and dealer-focused collaborations.
Key Terms
underwriting financial
AI-generated analysis. How Rhea-AI works. Not financial advice.
Longstanding Collaboration Continues to Support Dealers and Consumers with Innovative Financing Tools
Key Highlights:
- Synchrony and Polaris renewed their financing partnership, extending a relationship that has supported Polaris customers and dealers for nearly 20 years.
- Synchrony provides promotional financing and installment loans for vehicles, parts, accessories, gear, and vehicle service and protection products through Polaris' nationwide dealer network.
- Polaris dealers have access to Synchrony's full range of industry-specific products and digital tools, including Synchrony PRISM, which enables data-driven underwriting to support responsible credit access and dealer success.
For nearly two decades, Synchrony and Polaris have partnered to provide Polaris buyers with access to customized promotional financing and loan options offered through Polaris' extensive
"When consumers want to tackle the backcountry, trails, or the open road, they often turn to Polaris for their next adventure," said Darrell Owens, EVP and CEO, Lifestyle, Synchrony. "At Synchrony, our goal is to make that adventure attainable with responsible financing. Together with Polaris, we're advancing innovative solutions that empower dealers and keep pace with the evolving powersports market."
Polaris dealers will continue to collaborate on the development of financing options tailored to the needs of both consumers and dealers. Polaris will also have access to advanced underwriting capabilities through PRISM, Synchrony's differentiated credit decisioning system that uses a holistic approach to assess a consumer's creditworthiness.
"We are pleased to extend our nearly 20-year relationship with Synchrony, reinforcing our shared commitment to delivering innovative financing solutions for Polaris customers and dealers," said Bob Mack, CFO and EVP, Finance and Corporate Development, Polaris Inc. "Synchrony continues to enhance the speed of credit decisions and provide digital tools for seamless financing experiences, empowering both Polaris and our dealer network to better serve customers and drive growth."
FAQ
What Polaris vehicles and products can be financed with Synchrony?
Eligible purchases include Polaris off-road vehicles such as RZR, RANGER, GENERAL, and Sportsman ATVs, as well as snowmobiles and Slingshot vehicles. Financing is also available for parts, accessories, gear, and select service purchases at participating
How do customers apply for Polaris financing through Synchrony?
Customers can apply at participating Polaris dealerships nationwide, with dealers offering fast prequalification, point‑of‑sale applications and credit decisions. Ask your local Polaris dealer about current promotional financing and installment loan programs.
What financing terms, rates, or promotions are available?
Financing options vary by vehicle type, purchase amount, and individual credit profile. Dealers may offer special financing promotions and flexible installment loan terms at different times of the year. APRs, term lengths, and promotional details are set by program and dealer; contact your participating Polaris dealer for current offers.
How can Polaris dealers enroll or enhance their financing program with Synchrony?
Polaris dealers will continue to have access to Synchrony's advanced underwriting capabilities, including PRISM, as well as point‑of‑sale tools and support. Dealers interested in offering or expanding Synchrony financing should contact their Polaris District Sales Manager or Synchrony dealer support for enrollment, training, and marketing resources.
What is Synchrony PRISM and how does it impact credit approvals?
PRISM is a data‑driven credit decisioning platform that goes beyond traditional credit reports to offer a holistic view of a consumer's creditworthiness. It's designed to support responsible financing, helping match customers with suitable credit options while aiming to reduce the risk of overextension.
About Synchrony
Synchrony (NYSE: SYF) is a leading consumer financing company at the heart of American commerce and opportunity. From health to home, auto to retail, our Synchrony products have been serving the needs of people and businesses for nearly 100 years. We provide responsible access to credit and banking products to support healthier financial lives for tens of millions of people, enabling them to access the things that matter to them. Additionally, through our innovative products and experiences, we support the growth and operations of some of the country's most respected brands, as well as more than 400,000 small and midsize businesses and health and wellness providers that Americans rely on. Synchrony is proud to be ranked as the country's #2 Best Company to Work For® by Fortune magazine and Great Place to Work®. For more information, visit www.synchrony.com.
About Polaris
As the global leader in powersports, Polaris Inc. (NYSE: PII) has been defining and redefining outdoor adventure since 1954. Polaris delivers industry-shaping off-road vehicles, snowmobiles, boats, military, quadricycles, and commercial transportation vehicles, along with an expansive portfolio of parts, garments, and accessories. Its lineup includes some of the most iconic brands in powersports including the RANGER, RZR, Polaris XPEDITION, Bennington pontoons, Slingshot, and more. Headquartered in
Unless noted, trademarks are the property of Polaris Industries Inc.
Contacts:
Lauren Devilbiss
Synchrony
Lauren.Devilbiss@syf.com
Erika Burke
Polaris
Erika.Burke@polaris.com
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SOURCE Synchrony