HVAC Financing Options

Purchasing a new HVAC system
is a big investment.
We offer a few different HVAC financing solutions for our
customers to help ease the financial burden.


Rates range from
4.99% to 7.99%

Depending on credit score

SMUD customers only


25 months at 0.00%
37 Months at 5.99%
61 months at 7.99%
132 months at 9.99%

Available for all customers


Rates range from
5.99% to 9.99%

Options for lower credit scores

PG&E customers only

Here's more info on your HVAC financing options

The credit application is short and simple and can be done over the phone with our office staff – or we can email a link directly to you.

Upon completion of the application, the credit decision is instant. Once approved, Synchrony emails a financing agreement to the customer for electronic signature.

Synchrony-bBank - HVAC financing

Synchrony is our most popular form of financing. It offers an unsecured revolving credit line (like a credit card), specifically for home improvements like your upcoming HVAC system. There are no liens attached to your HVAC equipment either.

Customers can apply for financing for smaller repairs, too. For any financed amount under $2,500, Synchrony offers a payment plan of 6 months at 0.00%.

The entire process with Synchrony is done electronically. This means faster processing and no postage or wasted paper.

 Sustainable Home
Improvement Loan
available for
SMUD customers only.

Loan can be used for
other energy-efficient upgrades,
in addition to HVAC.


To apply, contact us to schedule
an estimate appointment,
and when ready to move forward
with your project, let us know
and we will send you a link
to start your pre-approval
process online.

APR ranges from 4.99% to 7.99%
and can vary based on
the applicant’s credit score,
the term of the loan,
and other underwriting criteria.

Pre-approval process
will not affect your credit score.

This is a program that is
available to PG&E customers
only. It’s an unsecured loan,
so there is no lien placed on
the equipment

State administered program with
the support of the PG&E and
the California Public Utilities
Commission with energy
efficiency HVAC financing programs in

gogreen-HVAC financing-logo

Customers can choose from
several different lenders
affiliated with this program. The
rates range from 5.99% to 9.99%.

They also have options available
for customers with lower credit

Customers can apply for this
loan by going to
You work directly with the
lender for the application and
financing documents.

This process, from application
to system installation, typically
takes about 5-7 days.

If you have any more questions on the above HVAC financing options or help getting a free quote for an HVAC replacement please let us know.

Hours of Operation

Mon – Fri: 7:30 am – 5:00 pm
Sat: 8:00 AM – 2:00 PM
Closed Sunday

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