The HVAC financing requirements through Synchrony Financial typically include basic identification, verifiable income, and a credit check. The application process is fast, and you will receive an instant credit decision online. This financing is designed to cover the full cost of a new furnace or AC installation and related services.

Synchrony Financial reviews all applications, and while approval is subject to credit check and criteria, we encourage all customers to apply. Applying online is hassle-free and allows you to quickly see what payment plans or options may be available to you, even if your credit is limited.

Our flexible home comfort system financing can cover both new unit installations (such as heat pumps or central AC units). If you need an emergency repair and don’t want to pay the full amount upfront, our promotional plans offer a great budget-friendly solution.

This is a popular special financing offer that allows you to purchase your new system today without accruing interest, provided the entire promotional balance is paid in full within the specified time period. If the balance is not paid off completely, interest will apply from the purchase date, so please read the Synchrony credit agreement carefully.

The online application process is designed for speed. Once you complete the secure online application, you will receive an instant credit decision from Synchrony Financial. Crucially, our dedicated office staff will also be immediately informed of your new application. A team member will reach out to you directly to confirm your options and provide clear details about the monthly payment plans upfront, ensuring you have all the information you need before moving forward with your new system installation or necessary service.