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Whether you need to replace your old HVAC equipment or upgrade to an energy-efficient system, it’s nice to know that you can do that with ease through convenient financing. When it comes to financing options, there are two main types of financing that are generally accepted for your HVAC purchases.

These include Synchrony Financing and FTL Finance. Both have their own pros that you need to be aware of when determining which financing solution is right for your needs.

Consumer Financing


Synchrony Financing

Synchrony is one of the nation’s premier consumer financial services companies. Their roots in consumer finance trace back to 1932, and today they are the largest provider of private label credit cards in the United States based on purchase volume and receivables. This financing option offers a few different financing terms.

The most desirable is 0% APR for an introductory period of 18 to 72 months. Other options include 3.99% to 11.99% APR and low payment options. To take advantage of these great financing options, you'll need to visit You'll want to create an account and login. Locate the Financing tab under the Marketing section to apply for your Synchrony Financing. This option is best for those with good to great credit scores.

FTL Finance

FTL Finance

If you're dealing with a lower credit score, then FTL Finance may have the best solution for you. With FTL, you choose what types of financing programs you want to offer, so you can make sure it's always the perfect fit.

FTL Finance offers convenient fixed interest rate financing for residential HVAC (heating, ventilation, and air conditioning) equipment purchases. This company offers loans up to 12 months with interest rates ranging between 6.99 and 19.99 APR. To apply for this type of loan, you'll need to visit the FTL Finance page and fill out the appropriate forms.