Financing
Comfort shouldn't have to wait.
Financing for heating, cooling and plumbing on Long Island homes.
What's available
0%Interest
if paid in full within 18 months
Book a Free EstimateOffered through Synchrony
Subject to credit approval. Minimum monthly payments required.
You shouldn't have to pick the cheap option.Get it done right, the first time.The relief knowing your system works is PRICELESS.
Most people don't have $10k just sitting there.
That's why we've partnered with Synchrony Bank, so a repair/install you didn't plan for, doesn't force you to go with whoever's cheapest.
Our lending partner
One of the largest consumer-finance companies in the country, so an unexpected cost doesn't have to become an unexpected problem.
What's covered
A 1-year labor warranty, whether it's an install or a repair, and 5-10 years from the manufacturer on the equipment. So there's nothing else to budget for once it's done.
Affordable Options
Find a payment that works.
Pick a number close to yours and see what it turns into. Bigger jobs open up longer plans, and every plan below is one you'd actually be offered.
A repair
A new system
$10,000becomes as little as
$125a month
spread over about 11 years
4 shorter plans below
0% Interest*
if paid in full within 6 months
$1,667/mo
6 months
0% Interest*
if paid in full within 18 months
$556/mo
18 months
5.99% APR
$300/mo
about 3 years
7.99% APR
$200/mo
about 5 years
9.99% APR
$125/mo
about 11 years
Whichever you pick, the price of the job doesn't change. What changes is the monthly payment and how long it runs.
Subject to credit approval. Minimum monthly payments required.
*Interest is charged to your account from the purchase date if the balance is not paid in full within the promotional period.
How you'd actually do it
Book a free estimate
We come out, look at what you've got, and talk through the options. Nothing is owed for the visit.
You get a price
A written estimate before any work starts. Nothing is decided on the day.
Apply from your estimate
Your estimate carries the financing link. Prequalify in minutes without affecting your credit score. The final application does include a credit check.
We book the work
Once you're approved and you've said yes, we get you on the schedule.
We'll walk you through it.
You won't be figuring any of this out on your own. Our team gets to know your situation and answers whatever you want to ask: what the plans mean, which one fits, what happens next. You're asking a person here, not a call center.
We'll walk you through the options on your estimate and get you set up to apply in a few minutes. Call or text any time in between.
And it's there next time.
If you're approved, you don't just get this job covered. You get a line of credit you can use with us again.
A repair down the road, a maintenance membership, a water heater when the current one goes: it's already there, and you don't apply twice.
Approval, your credit limit and your terms are all decided by Synchrony, not by us.
Frequently Asked Questions
What does "0% interest if paid in full" actually mean?+
It means interest is being calculated from day one, but you are not charged any of it as long as the balance is cleared inside the promotional window. Clear it in time and you pay exactly what the job cost. Miss it, and all of the interest that has built up since the day the work was done is added to what's left. It is not the same as a plan where interest never applies.
What happens if I don't pay it off in time?+
The interest that has been accruing since the purchase date is added to your remaining balance, and the account carries on at its standard rate from there. You are not penalized beyond that, and you can keep paying it down normally, but the promotional saving is gone. This is why the size of your monthly payment matters more than the due date.
Will the minimum payment pay it off in time?+
Usually not. The required minimum is a percentage of the balance, and on most jobs paying only that amount will leave something outstanding when the window closes. If your plan is to pay no interest, work out what the balance divided by the number of months comes to and pay at least that.
Does applying affect my credit score?+
You can prequalify without any impact to your credit score. It is a soft check that tells you what you would be offered. The full application is a separate step and does include a credit check, which Synchrony explains before you submit it.
How much can I finance?+
That is Synchrony's decision, not ours, and it depends on your application. What we can tell you is which plans a job qualifies for: every job can use the 6-month plan, jobs from $2,000 add the 18-month plan, and jobs from $10,000 add the fixed-rate options.
What can I use it for?+
Any work we quote: a new furnace, boiler, air conditioner, heat pump, mini-split or water heater, and repairs as well. It is not limited to replacements.
Do I have to decide during the estimate?+
No. The estimate is free and nothing is owed for the visit. The financing link stays on your estimate, so you can talk it over and apply later if you want to.
Can I pay it off early?+
Yes, and on the promotional plans that is exactly what you want to do. Paying the balance off before the window closes is how the interest gets wiped.
What if I'm not approved?+
Then nothing changes about the work. We will still do the job, and we will talk through what makes sense for your budget. A declined application does not affect the price we quoted you.
Who do I contact about my account?+
Synchrony handles the account, the statements and the payments directly. Call or text us for anything to do with the work itself, and we will point you in the right direction for the rest.
Want to Talk Through Your Options?
Fill out the form below to let us know how we can help keep your home comfortable.