What HVAC financing plans does DC Air and Heating offer?

Three standard Synchrony Bank plans on every installation: Plan 925 — 0% APR for 24 months (no interest if paid in full). Plan 970 — 5.99% APR for 58 months (our most popular plan). Plan 942 — 7.99% APR for 115 months (lowest monthly payment).

What's the monthly payment on a $10,000 AC install?

Plan 925 (0% / 24 mo): about $417/month. Plan 970 (5.99% / 58 mo): about $199/month. Plan 942 (7.99% / 115 mo): about $125/month. Use our loan calculator at /loan-calculator for exact numbers on your project.

What credit score do I need for HVAC financing?

Synchrony approvals typically start around a 640 FICO score, but the application is a soft pull initially and decisions return in 60 seconds. Many homeowners with 600–640 scores still qualify, often at the 5.99% or 7.99% tier.

Do you require a down payment?

No down payment is required on any Synchrony-financed installation. For cash or card payments, we ask for 50% the day equipment is delivered and 50% on completion.

Can I pay off the financing early without penalty?

Yes. All three Synchrony plans allow full or partial early payoff with zero prepayment penalty. Plan 925 specifically has no interest at all if paid in full within the 24-month promotional period.

What HVAC financing plans does DC Air and Heating offer?

Three standard Synchrony Bank plans on every installation: Plan 925 — 0% APR for 24 months (no interest if paid in full). Plan 970 — 5.99% APR for 58 months (our most popular plan). Plan 942 — 7.99% APR for 115 months (lowest monthly payment).

What's the monthly payment on a $10,000 AC install?

Plan 925 (0% / 24 mo): about $417/month. Plan 970 (5.99% / 58 mo): about $199/month. Plan 942 (7.99% / 115 mo): about $125/month. Use our loan calculator at /loan-calculator for exact numbers on your project.

What credit score do I need for HVAC financing?

Synchrony approvals typically start around a 640 FICO score, but the application is a soft pull initially and decisions return in 60 seconds. Many homeowners with 600–640 scores still qualify, often at the 5.99% or 7.99% tier.

Do you require a down payment?

No down payment is required on any Synchrony-financed installation. For cash or card payments, we ask for 50% the day equipment is delivered and 50% on completion.

Can I pay off the financing early without penalty?

Yes. All three Synchrony plans allow full or partial early payoff with zero prepayment penalty. Plan 925 specifically has no interest at all if paid in full within the 24-month promotional period.

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HVAC Financing Options

Excellent financing options available. Get comfortable TODAY, pay later!

Making Comfort Affordable

Almost nobody plans for an HVAC problem, and homeowners are typically not prepared for the necessary expense. That's why DC Air and Heating has partnered with leading financing providers to offer flexible payment options for your project.

Upgrade your home heating and cooling system. Save money, reduce your monthly utility bills, and enjoy a flexible payment plan that fits your budget.

Our financing partner uses a soft credit check and takes just a few minutes to get started. With flexible repayment options and competitive rates, there's no reason to wait.