Financing

Checking your eligibility through GoodLeap uses a soft credit check, which does not impact your credit score. Synchrony offers pre-qualification options as well; a hard credit inquiry only occurs when you submit a final, formal credit application.

Because we partner with both Synchrony and GoodLeap, we can accommodate a wide spectrum of credit profiles. GoodLeap typically accepts credit scores starting around 600+ for fixed-rate installment plans, while Synchrony offers options for prime to high-tier credit scores.

Approvals take only 2 to 5 minutes. You can apply directly on a smartphone or tablet with our technician right at your kitchen table, helping emergency replacements move forward without unnecessary delays.

Available primarily through Synchrony, 0% APR plans allow you to divide your total system cost into equal monthly payments across a set promotional window, such as 12, 18, or 24 months, with zero interest. As long as equal monthly payments are made on time and the balance is paid before the promotional period expires, you pay no interest charges.

Yes. Neither Synchrony nor GoodLeap charges prepayment penalties. You can pay off your remaining balance early at any time.

Yes. Your financed amount can cover the turnkey project—including primary AC equipment, air handlers, ductwork modifications, labor, local permits, and optional extended service warranties.

Yes. Financing does not change your eligibility for applicable federal Inflation Reduction Act (IRA) energy efficiency tax credits or local utility rebates. You receive ownership of the system upon installation, allowing you to claim applicable financial incentives.

GoodLeap provides fixed-rate monthly payments with transparent, locked-in interest rates over long-term windows, potentially up to 120 or 144 months depending on the financing option. This can keep monthly payments low and consistent.

Because these are unsecured loan products, meaning a lien is not placed on your home’s title, you can generally pay off the remaining balance at closing using proceeds from the sale of your home.

No. Synchrony financing, such as the Project Card, is an unsecured personal line of credit based on factors including personal creditworthiness, income, and debt-to-income ratio. Homeownership is not necessarily required to qualify.

Yes. If a family member owns the home or is co-financing the project, you may be able to submit a joint application or add them as an authorized account holder, subject to the lender’s eligibility requirements.