HVAC Financing

Weather any HVAC repair with a flexible way to pay over time.

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HVAC Financing that works for you.

The equipment you need is now affordable. Whether you have no credit, bad credit, or perfect credit, we make it easy. We’ve partnered with Synchrony to give you more options.


Down payment


Interest for 12 months


Payments as low as

Contact us to apply. We’ll price out your HVAC unit, then do all the heavy lifting for you.

Why consider financing your new HVAC?

A new air conditioner or heater is a big deal for many families. That’s where financing comes into play.

Avoid large upfront costs

HVAC financing eliminates the upfront cost of home improvements. Your personal money can be invested somewhere else.

More upgrade options

When you finance your heating and cooling system, upgrades are more affordable. This opens a whole new area of savings…energy efficiency.

Big savings

In the case of HVAC, payments can soften the extra cost of energy-efficient units. This saves thousands of dollars in energy bills over time.

Air Conditioner Financing


Payment terms from 6 months to 72 months, no interest, deferred interest, or fixed payment flexibility. Use the financing calculator below.


Convenient online account management and payment options including autopay.


No default rate for missed payments and no prepayment penalties.

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Calculate your monthly payment

Financing can help you pay for a big purchase with manageable monthly payments. Synchrony’s payment calculator will estimate your monthly payments based on the amount you’d like to finance and the promotional financing offer you choose.

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3 things savvy HVAC buyers do before purchasing


1.    Take advantage of all available tax credits. Some products qualify for federal, and state local tax credits if they meet certain criteria like energy efficiency.

2.    Special financing and rebates are available on certain products that can lower the price of your system and make payments more convenient.

3.    Understand HVAC pricing. Although some units may be a little more expensive, they qualify for tax rebates due to their energy efficiency. They also save you money each money in your energy bill.

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