Home+ Air & Heat
Spread a qualifying installation over monthly payments through Synchrony Bank. Every plan below shows its APR, term and minimum before you apply.
Limited-time offer
Equal monthly payments, no down payment and no prepayment penalty on approved credit. Interest is not deferred — take the full 25 months and nothing is added back.
$2,500 minimum project
Subject to credit approval through Synchrony Bank.
Most popular install option
9.99% APR for 132 monthsHome+ Comfort Plan
Official partners
The lending comes from a national bank; the equipment comes from manufacturers we install every week.
Authorized financing partner
One of the nation's largest consumer financing companies — FDIC insured, with more than $180 billion in consumer financing. Your application and account are with Synchrony, not with us.
Equipment brand
We install Mitsubishi Electric heat pump and mini-split systems and can pair them with the financing plans on this page.
View heat pump optionsWhat financing covers
Financing applies to qualifying installation projects of $2,500 or more — the same projects our team installs end to end.
Cold-climate heat pumps that heat and cool the house, including furnace-to-heat-pump conversions.
Heat pump installationA new central AC or cooling system sized and installed for the rooms that need it.
Central AC installationGas, oil or electric furnace replacement when the old unit is failing or inefficient.
Furnace installationBoiler swap-outs for radiant and baseboard heat, including steam boiler work.
Boiler installationEfficient water heaters that cut what it costs to keep hot water in the house.
Water heater installationFiltration, humidity and ventilation work added to a larger installation project.
Air quality servicesPlan minimums differ: the 0% for 25 months promotion starts at $2,500, and Home+ Comfort starts at $10,000. Not sure where your project lands?
Payment calculator
Pick a project amount and a plan. The estimate uses the actual plan terms; your approved rate comes from Synchrony in writing.
Choose your plan
Your estimated payment
$600/mo
Estimates only — final terms come from Synchrony Bank after credit approval.
Compare the plans
All financing is provided through Synchrony Bank, subject to credit approval. Figures below are for a $8,000 installation.
| Compare plans | 0% for 25 MonthsPlan 0% / 25 Mo Equal Pay$320/mo | Most popularHome+ ComfortPlan Home+ Comfort$101/mo | Home+ ValuePlan Home+ Value$140/mo | Home+ PreferredPlan Home+ Preferred$238/mo |
|---|---|---|---|---|
| APR | 0%Equal payments | 9.99%Fixed | 11.99%Fixed | 5.99%Fixed |
| Term | 25 months | 132 months | 86 months | 37 months |
| Total paid | $8,000Best value | $13,332 | $12,040 | $8,806 |
| Interest cost | $0 | $5,332 | $4,040 | $806 |
| Savings | Save $5,332 | — | Save $1,292 | Save $4,526 |
| Best for | Homeowners who want a new system now and zero interest | Homeowners who want the lowest monthly payment | Homeowners who want a lower payment over a shorter term than 132 months | Homeowners focused on paying less total interest |
| Get started | Apply | Apply | Apply | Apply |
0% for 25 Months: interest is not deferred. Equal monthly payments across the full term, and nothing is added back if you take all 25 months. Financing is subject to credit approval through Synchrony Bank.
Our biggest promotion — zero interest for a full 25 months, in equal monthly payments
Most popular install financing plan with extended monthly payments
Install financing plan with a mid-length term and a lower monthly payment
Low-interest install financing plan with a shorter payoff term
Subject to credit approval. Terms and conditions apply. Financing provided by Synchrony Bank.
Rebates first
Most Long Island projects qualify for a utility or state rebate before financing starts. The rebate lowers what the project costs; your payment plan then covers what is left. Whether a rebate can be combined with a promotional rate depends on the offer, so we confirm both before you sign.
What the heat pump rebate covers and what it takes to qualify.
Rebates available on efficient water heater replacements.
Air sealing, insulation and other work that lowers the bill.
The assessment that often comes before the bigger rebates.
The process
Request a free estimate for your installation. We provide written pricing before any work is agreed.
Compare the plans below — APR, term and minimum are listed for each — and pick the one that fits your budget.
The Synchrony application takes a few minutes and most applicants get a decision right away.
Once approved, we schedule your installation and you pay over time under the plan you chose.
Official financing partner
Your financing is provided by Synchrony Bank, one of the nation's premier consumer financial services companies. With over $180 billion in consumer financing, they're trusted by millions of Americans for major purchases.
FDIC insured
Your data is protected
Secure application
256-bit encryption
Trusted by millions
Equipment we finance
Synchrony financing is available for HVAC equipment from any manufacturer, including Mitsubishi Electric systems.
Mitsubishi Electric
Carrier
Trane
Lennox
Rheem
Daikin
Bosch
Plus many more brands, including:
Don't see your brand? No problem — financing works with virtually any HVAC equipment.
Answers to the most common questions about HVAC financing.
Synchrony Bank considers various factors beyond just credit score. While a higher score improves your chances for the best rates, we have multiple plan options designed for a range of credit profiles. Many homeowners with fair credit still qualify for financing.
Yes! All of our Synchrony Bank financing plans allow you to pay off your balance early without any prepayment penalties.
Most applicants receive a decision within minutes. The application process is quick and secure, and you'll know your approval status and credit limit almost immediately. Our team can help you apply during your service consultation.
For a limited time, qualifying installations can get 0% interest for 25 months on approved credit. We also offer three Home+ fixed-rate plans: Home+ Comfort at 9.99% for 132 months, Home+ Value at 11.99% for 86 months, and Home+ Preferred at 5.99% for 37 months.
The 25-month installation promotion and Home+ installation plans are available for qualifying projects of $2,500 or more, except Home+ Comfort (132 months), which starts at $10,000. Contact us for details about your specific project and approval options.
You'll need a valid government-issued ID, Social Security number, date of birth, and annual income information. The application is secure and typically takes just a few minutes to complete. Our team can assist you through the process.
Before you apply
Synchrony Bank works with a wide range of credit profiles to help homeowners get the HVAC services they need.
Don't have perfect credit? We offer multiple financing plans designed for different credit profiles, including fixed-rate options with reliable approval for a wider range of homeowners. Contact us to discuss your options.
Get a written quote first, then pick the payment plan that fits. Our team can walk you through the application during your estimate.
