Financing for HVAC Products and Services
At Trusted Heating & Air Conditioning, we believe a comfortable home shouldn’t be limited by your budget. That’s why we offer flexible financing designed to make upgrading or repairing your HVAC system easy and affordable. You can choose the right comfort system for your home without the stress of upfront costs, and pay over time with manageable monthly payments.
Trusted Financing Options with Synchrony
As one of the nation’s premier consumer financial services companies, Synchrony has been helping customers reach their home comfort goals since 1932. Today they are the largest provider of private label credit cards in the U.S., offering smart, flexible financing tailored to your needs.
Why Choose Synchrony?
- Easy application and fast approval. Get quick credit decisions with a simple application process.
- Unsecured, revolving credit lines. Flexible credit options that adapt to your budget.
- Promotional financing. Special financing plans, subject to credit approval, with minimum monthly payments.
- Convenient monthly payments. Manage your account easily with affordable payment plans.
- Online account management. Stay in control with 24/7 access to your account details.
Synchrony Plans
Compare the available plans below, then apply online in minutes. Not sure which one fits your project? Call and we’ll help you pick the plan that makes the most sense for your budget.
| Plan | Interest Rate / APR | Required Monthly Payment | Est. Term* | Best for |
|---|---|---|---|---|
| 920 | No interest if paid in full in 6 months | 2.5% of highest balance | n/a | Can pay off quickly |
| 924 | No interest if paid in full in 18 months | 2.5% of highest balance | n/a | More time (up to 18 months) interest-free |
| 943 | About 9.99% APR | 1.25% of highest balance | About 132 payments | Smallest required monthly payment |
| 964 | 10.99% APR | 1.75% of highest balance | About 82 months | Balanced payment vs. term |
| 965 | 11.99% APR | 1.75% of highest balance | About 86 months | Predictable payments over longer term |
| 980 | 5.99% APR | 3% of highest balance | About 37 months | Lowest rate and quicker payoff |
Plan details
Plan 920: no interest if paid in full in 6 months. Plan 920 offers deferred interest for 6 months with low monthly payments. It gives you the flexibility to complete your purchase today and pay over time, with no interest if the balance is paid in full within the 6-month promotional period.
- No interest if paid in full within 6 months
- Low monthly payments, 2.5% of the highest balance
- Simple application process and fast approval
- Convenient monthly billing
Plan 924: no interest if paid in full in 18 months. Plan 924 offers deferred interest for 18 months with predictable monthly payments. You’ll pay just 2.5% of the highest balance each month, and as long as the full amount is paid off within 18 months, you won’t pay any interest.
- No interest if paid in full within 18 months
- Fixed monthly payments required during the promotional period
- No prepayment penalties, pay it off early anytime
- A fast and secure application process
Plan 943: reduced fixed APR. Plan 943 is a financing option with a reduced, fixed APR (Annual Percentage Rate) providing you the benefit of low, consistent monthly payments, so you don’t have to pay everything up front.
- Predictable monthly payments equal to 1.25% of your highest balance
- A low, fixed interest rate, typically around 9.99% APR
- Estimated 132 payments
- You can pay off early anytime with no penalties
Plan 964: fixed 10.99% APR. Plan 964 is a fixed-rate financing plan with predictable monthly payments. It’s not deferred interest, it’s a straightforward payment plan with a fixed 10.99% APR until your balance is paid off.
- Fixed 10.99% APR, applied to your promotional balance from the purchase date
- Monthly payments are calculated at 1.75% of the highest balance until paid off
- Estimated payoff term: around 82 months, but you can pay off earlier with no penalties
Plan 965: fixed 11.99% APR. Plan 965 is a fixed-rate financing plan with predictable monthly payments. It’s not deferred interest, it’s a straightforward payment plan with a fixed 11.99% APR until your balance is paid off.
- Manage larger expenses with smaller, steady payments
- Fixed 11.99% APR, applied to your promotional balance from the purchase date
- Monthly payments are calculated at 1.75% of the highest balance until paid off
- Estimated payoff term is around 86 months, but you can pay off earlier with no penalties
Plan 980: reduced 5.99% APR. Plan 980 is a reduced-rate financing option that lets you break your purchase into easy monthly payments with a low, fixed APR of 5.99%. You’ll make consistent payments based on 3% of your highest balance, and pay off your project over time.
- Predictable monthly payments over time
- Low, fixed 5.99% APR, no surprises or retroactive interest
- Affordable monthly payments, just 3% of your highest balance
- Estimated payoff period is about 37 months
- No prepayment penalties, pay off early anytime
*Financing plans are offered through Synchrony and are subject to credit approval. Terms and conditions apply and may vary by applicant or purchase amount. For full plan details, rates, and eligibility requirements, please refer to Synchrony’s official documentation or speak with a Synchrony representative directly at 1-866-396-8254. Trusted Heating & Air Conditioning is not responsible for changes to Synchrony’s terms or rates.
*Estimated terms are based on plan rules. Actual payoff depends on balance, timing, and any extra payments. Always review lender terms.