Flexible HVAC FinancingGet Approved Fast
Apply instantly with our trusted financing partners. Fast approvals, competitive rates, and flexible terms to fit your budget. Serving the tri-state area with transparent financing options.
Our Featured Financing Partners
Apply directly with trusted industry leaders. Both partners offer competitive rates, flexible terms, and fast approval processes designed specifically for HVAC projects.
FTL Finance
Fast, Flexible HVAC Financing
Key Benefits
- Direct online application - apply in minutes
- Competitive rates for all credit types
- Flexible payment terms up to 120 months
- Quick approval decisions
- Dedicated HVAC financing specialist
Opens in new window • Secure application process
Synchrony
Trusted Home Improvement Financing
Key Benefits
- Industry-leading home financing provider
- Promotional financing offers available
- Easy online account management
- No prepayment penalties
- Accepted at thousands of contractors nationwide
Opens in new window • Secure application process
Why We Partner with FTL Finance & Synchrony
Trusted & Secure
Both partners are established leaders in home improvement financing with robust security measures protecting your personal information.
Fast Process
Get approved quickly with streamlined applications designed for HVAC projects. Most decisions are made within minutes to hours.
Competitive Terms
Access promotional rates, flexible payment terms, and competitive interest rates that fit various budgets and credit profiles.
How HVAC Financing Works
Get Your Free HVAC Estimate
Contact us for a free, no-obligation estimate on your HVAC system. We'll assess your needs, recommend the right equipment, and provide transparent pricing including installation costs.
Choose Your Financing Partner
Select either FTL Finance or Synchrony based on your preferences. We'll help you understand the differences and recommend the best fit for your situation. You can also compare offers from both.
Apply Online in Minutes
Click the "Apply Now" button above to go directly to your chosen partner's secure application portal. The process typically takes 5-10 minutes and requires basic personal and financial information.
Receive Quick Approval Decision
Most applications receive instant or same-day approval decisions. Once approved, you'll see your loan amount, interest rate, and payment terms. Review and accept the offer that works for you.
Schedule Professional Installation
With financing approved, we'll schedule your installation at your convenience. Our certified technicians ensure perfect installation, and you can start enjoying your new system while making comfortable monthly payments.
Additional Financing Programs
In addition to our featured partners, we offer various financing options to meet every budget and credit situation.
Competitive Financing
- ✓12-120 month terms available
- ✓Competitive interest rates
- ✓Options for all credit levels
- ✓Fast approval process
Low-Interest Loans
- ✓Rates from 6.99% APR
- ✓Terms up to 120 months
- ✓Good credit (650+) qualifies
- ✓Fixed monthly payments
Flexible Payment Plans
- ✓Fair credit options (580+)
- ✓Second-chance financing
- ✓Multiple lender options
- ✓Emergency repair financing
HVAC Financing FAQs
How do I apply for financing with FTL Finance or Synchrony?
Both partners offer direct online applications. Click the 'Apply Now' button on their respective cards to be taken directly to their secure application portal. Most applications take just a few minutes, and you'll receive a decision quickly. Our team can also assist you with the application process if needed.
What credit score do I need for HVAC financing?
Credit requirements vary by lender. FTL Finance and Synchrony both offer programs for various credit levels. Excellent credit (720+) qualifies for the best rates and terms. Good credit (650-719) gets competitive rates. Fair credit (580-649) has options available. We work with multiple lenders to accommodate various credit situations.
Can I finance both equipment and installation?
Yes! Both FTL Finance and Synchrony allow you to finance the complete project including equipment, installation labor, permits, and any additional upgrades. This provides a comprehensive solution for your HVAC needs without large upfront costs.
What are the typical loan terms available?
Loan terms vary from 12 to 120 months depending on the lender and your credit profile. FTL Finance and Synchrony both offer flexible term options. Shorter terms (12-60 months) may qualify for promotional rates, while longer terms (84-120 months) provide lower monthly payments.
Are there any prepayment penalties?
Most of our financing programs, including FTL Finance and Synchrony, have no prepayment penalties. You can pay off your loan early without additional fees, which can save you money on interest charges.
How quickly can I get approved?
Both FTL Finance and Synchrony offer fast approval processes. Many applications receive instant decisions, while others may take 24-48 hours. Once approved, we can typically schedule your installation within days, getting you the comfort you need quickly.
Ready to Get Started?
Don't let budget concerns keep you from the comfort you deserve. Apply now with our trusted financing partners or call us to discuss your options.
Fast approvals • All credit types welcome • Flexible terms available