A broken AC or aging furnace shouldn't force you into a corner. With affordable monthly payments, you can get the system your family needs today — without draining your savings account.
Simple Process
Three steps. That's all it takes to go from "I can't afford this right now" to "When can you start?"
Fill out a short application online or with your technician. It's fast, secure, and won't affect your credit score for the initial check.
Most homeowners receive a decision within minutes. Once approved, you'll see your available credit and monthly payment options right away.
Choose the plan that fits your budget and we'll schedule your installation. Many projects start the same week you're approved.
The Smart Move
A new HVAC system is one of the best investments you can make in your home. Here's why paying over time makes sense.
Spread the cost across manageable monthly payments that fit your household budget. No lump sum required.
Every day without AC in San Antonio is a day too many. Get your system installed now and pay over time.
Keep your savings intact for emergencies. Financing lets you invest in comfort without touching your reserve funds.
A $6,000 system is a lot at once. $99/month? That's easier to plan around. Same quality, same warranty — different payment structure.
Eligible Projects
Whether it's a brand-new system or a major upgrade, financing covers the projects that matter most.
New air conditioning systems sized right for your home and San Antonio's heat.
Furnaces, heat pumps, and heating systems that keep your family warm all winter.
Zone-controlled comfort for additions, garages, or rooms your ductwork can't reach.
Complete HVAC system upgrades — AC, furnace, ductwork, thermostat — all in one project.
It takes just a few minutes to apply. No obligation, no pressure. Just answers about what's available to you.
Everything you need to know before you apply.
You can apply online through our Synchrony financing portal or ask your technician to help you apply during your service visit. The application takes just a few minutes and requires basic personal and financial information.
Synchrony considers a range of credit profiles — there's no single minimum score requirement. We encourage you to apply regardless. Many homeowners are surprised to find they qualify for terms that work within their budget.
Most applicants receive a decision within minutes. Once approved, we can schedule your project right away — many installations begin the same week. No long waiting periods.
Yes. There are no prepayment penalties with Synchrony financing. You can pay off your balance in full at any time without incurring additional fees. Pay on your schedule.