Flexible Financing forYour Comfort
Make your HVAC investment affordable with competitive rates and easy monthly payments through Synchrony Bank.
Same-day response • No obligation
Repair Financing
For unexpected repairs
0% Interest if paid in full within 6 months
Plan 920 • Available for all purchases
Installation Financing
For new systems
9.99% APR for 132 months
Home+ Comfort Plan • Most popular install option
Trusted Financing Partners
We've partnered with industry leaders to bring you flexible financing options and premium equipment.
Synchrony Bank
Authorized Financing Partner
One of the nation's premier consumer financial services companies, trusted by millions of Americans.
Get a QuoteMitsubishi Electric
Program Partner
As an authorized Mitsubishi Electric dealer, we provide access to industry-leading heat pump and mini-split systems with exclusive financing options.
View Heat Pump OptionsGet a free quote • Same-day response • No obligation
Estimate Your Monthly Payment
See how affordable your HVAC project can be with our flexible financing.
Choose Your Plan
Your Estimated Payment
Term
132 mo
Total Paid
$24,816
Interest
$9,816
Financing Options
Choose the plan that fits your needs. All financing provided through Synchrony Bank.
Repair Financing
No Interest if Paid in Full within 6 Months
Pay no interest if you pay the full balance within 6 months
Example: $1,000 repair
$167/mo
Installation Financing
Compare all plans for a $8,000 installation
| Feature | Plan Home+ Comfort Best Value | Plan Home+ Smart Balanced Option | Plan Home+ Preferred Low Interest Focus |
|---|---|---|---|
APR | 9.99%Fixed | 7.99%Fixed | 5.99%Fixed |
Term | 132 months | 61 months | 37 months |
| Monthly Payment | $101Lowest | $161 | $238 |
| Total Paid | $13,332 | $9,821 | $8,806Best Value |
| Interest Cost | $5,332 | $1,821 | $806 |
Savings | — | Save $3,511 | Save $4,526 |
| Best For | Homeowners who want the lowest monthly payment | Homeowners who want a balanced payment and interest rate | Homeowners focused on paying less total interest |
*0% APR is deferred interest. If balance is not paid in full within the promotional period, interest will be charged from the original purchase date.
Home+ Comfort Plan
Most popular install financing plan with extended monthly payments
- 9.99% fixed APR
- 132-month term
- Minimum purchase $2,500
- No prepayment penalties
Home+ Smart Plan
Balanced install financing plan with a lower rate and medium term
- 7.99% fixed APR
- 61-month term
- Minimum purchase $2,500
- No prepayment penalties
Home+ Preferred Plan
Low-interest install financing plan with a shorter payoff term
- 5.99% fixed APR
- 37-month term
- Minimum purchase $2,500
- No prepayment penalties
Subject to credit approval. Terms and conditions apply. Financing provided by Synchrony Bank.
What If I Don't Pay Off the Repair 0% Plan?
With deferred interest, the interest is calculated from day one but waived if you pay in full. If any balance remains after the promo period, all retroactive interest is charged.
Deferred Interest Penalty Calculator
Retroactive Interest Penalty
Since $2,000 remains unpaid after 6 months, interest at 26.99% APR is charged on the original $8,000 from purchase date.
Remaining Balance
$2,000
+ Retroactive Interest
+$1,080
Total You'd Owe
$3,080
Recommended Monthly Payment
To pay off $8,000 in 6 months and avoid all interest, pay at least $1,334/month.
* Calculator uses estimated 26.99% APR for illustration. Actual rates vary. Contact us or review your Synchrony cardholder agreement for exact terms.
How Financing Works
Getting started with HVAC financing is simple. Here's what to expect.
Get Your Quote
Request a free estimate for your HVAC service or installation. We'll provide transparent pricing upfront.
Choose Your Plan
Select the financing option that fits your budget. We'll help you find the best plan for your situation.
Quick Approval
Apply online or in-person and get a decision in minutes. Most applications are approved same-day.
Enjoy Comfort
Once approved, we schedule your service. You enjoy improved comfort while paying over time.
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
$180B+
Consumer Financing
80+
Years Experience
Trusted by Millions
Financing for All Major Brands
Our Synchrony financing is available for HVAC equipment from any manufacturer. As an authorized Mitsubishi Electric dealer, we offer special program benefits.
Mitsubishi Electric
Carrier
Trane
Lennox
Rheem
Daikin
Bosch
Plus many more brands including:
Don't see your brand? No problem – our financing works with virtually any HVAC equipment.
Financing FAQs
Get answers to the most common questions about our HVAC financing options.
Qualification Requirements
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.
Ready to Get Started?
Contact us today to discuss financing options and get a free quote for your HVAC project. Our team is here to help you find the perfect payment plan.
Not sure which plan is right for you? Our team can help you find the best option for your situation.