Flexible HVAC Financing Options

Rates range from 15.85% - 21.19% APR (interest rates range from 17.99% - 24.99%). Only well-qualified applicants will receive an APR of 15.85%; some applicants may not qualify. Loan amount and rate will vary based on your income and creditworthiness. 12 month promotional period ("Promo Period") during which interest is billed but will be waived if the amount financed is paid in full before Promo Period expires. Monthly payments are not required during the Promo Period. Any unpaid balance and amounts owed after Promo Period will be paid over 84 monthly payments. For example, assuming the full credit limit is used on loan approval date and no payments are made during Promo Period, for every $1,000 financed at a fixed interest rate of 24.99%, 12 monthly payments of $0 followed by 84 monthly payments of $28.29.

Loan term is 120 months and rates range from 7.99% - 19.99% APR. Only well-qualified applicants will receive an APR of 7.99%; some applicants may not qualify. Loan amount and rate will vary based on your income and creditworthiness. For example, assuming the full credit limit is used on loan approval date, for every $1,000 financed at 19,99% APR, 120 monthly payments of $19.32.

Loan term is 24 months at fixed rate of 0.00% APR.

For example, assuming the full credit limit is used on loan approval date, for every $1,000 financed at 0% APR, 24 monthly payments of $41.67.

Loan term is 60 months at fixed rate of 6.99% APR.

For example, assuming the full credit limit is used on loan approval date, for every $1,000 financed at 6.99% APR, 60 monthly payments of $19.80.

Loan term is 180 months at fixed rate of 10.99% APR. For example, assuming the full credit limit is used on loan approval date, for every $1,000 financed at 10.99% APR, 180 monthly payments of $11.36.

Subject to credit approval. These examples are estimates only. Actual payment amounts based on amount and timing of purchases. Call 866-936-0602 for financing costs and terms.

GreenSky* program consumer loans are made by Synovus Bank, Member FDIC, NMLS #408043, without regard to age, race, color, religion, national origin, gender, disability, or familial status. Greensky Servicing, LLC ("GSS", NMLS #1416362,www.nmlsconsumeraccess.org) is a financial technology company that manages the GreenSky* program by supporting originations and servicing the loans on behalf of banks and other financial institutions that make or hold program loans.

GreenSky® is a registered trademark of GreenSky, LLC and is licensed to banks and other financial institutions for their use in connection with the GreenSky* program. GreenSky LLC and GSS are not lenders. All credit decisions and loan terms are determined by program lenders.

Invest in Comfort Now, Pay Later

Upgrading your heating, cooling, or water heating system is a major investment — but it shouldn’t delay your comfort. We offer 0% interest HVAC financing so you can install the system you need today and pay over time with affordable monthly payments. Whether you’re replacing a furnace, installing a new AC system, upgrading to a heat pump, or adding a tankless water heater, our financing options make top-tier comfort accessible without the large upfront expense.

Why Homeowners Choose Financing

Financing helps you stay comfortable while managing your budget wisely. With our plans, you can:

• Take advantage of 0% APR promotional periods for 12 or 18 months (subject to approval).
  
• Spread out the cost with predictable monthly payments.
  
• Replace failing systems immediately — no waiting for extreme weather to pass.
  
• Enjoy energy savings from high-efficiency upgrades that often help offset monthly payments.
  
• Choose from interest-free promotional options or longer fixed-rate plans lasting up to five years.

Simple Application, Quick Approval

Applying for financing is fast and secure. We partner with trusted lenders such as GreenSky to provide streamlined applications that take only minutes to complete. Many customers receive approval instantly. Loans require no collateral, include no prepayment penalties, and offer a variety of terms to fit different budgets. If you prefer personal assistance, our team is happy to guide you step-by-step.

What You Can Finance

 Long Island homeowners commonly use financing for:

Choose the Right Financing Plan for Your Needs

We offer several financing structures to match your project and budget:

0% APR Promotional Plans

Ideal if you want interest-free payments for a limited period. As long as the balance is paid within the promotional window, you’ll enjoy zero interest. This option is perfect for homeowners who want to spread out the cost while avoiding finance charges.

Low Fixed-Rate Monthly Payment Plans

These plans extend over three to five years and offer consistent monthly payments at a low fixed interest rate. They’re great for larger projects where you want maximum affordability each month.

Deferred Interest Plans

A flexible choice that allows you to begin payments later while avoiding interest if the balance is cleared within the promotional period. These plans offer extra breathing room during major upgrades.

If you’re unsure which plan fits best, we’ll help you compare your options and choose the one that aligns with your budget and goals.

FAQ

Common Questions About HVAC Financing

Trusted by Long Island Homeowners

Popular Upgrades You Can Finance

AC Installation & Replacement

 Upgrade to a modern, high-efficiency cooling system.

Furnace Installation & Replacement

Install a reliable, energy-efficient furnace.

Heat Pump Installation

Maximize rebates and long-term energy savings.

Water Heaters

Finance tankless or traditional water heater replacements.

Ready to Apply for HVAC Financing?

Don’t let budget concerns delay your comfort. With 0% and low-interest plans available, upgrading your home’s HVAC system has never been easier.