Skip to main content

Flexible HVAC Financing

Don't let the cost of comfort hold you back. We offer simple, straightforward financing so you can get the system you need today.

Apply Now

  Financing provided through Synchrony — one of the nation's most trusted consumer finance companies. Learn more

Financing Options

Plans Built for Your Budget

Whether it's an emergency repair or a full system replacement, we have a payment option that works for you.

Same-As-Cash

0%
Interest for 12 Months*
  • No interest if paid in full within 12 months
  • Quick online approval process
  • Minimum purchase of $299
  • Great for repairs & tune-ups
  • Low minimum monthly payments
Apply for This Plan

Extended Financing

0%
Interest for 18–24 Months*
  • No interest if paid in full within 24 months
  • Ideal for full system installations
  • Minimum purchase of $1,500
  • Covers equipment + labor
  • Deferred interest promotional terms
Apply for This Plan

Low Monthly Payments

Fixed
Monthly Payment Plan
  • Predictable fixed monthly payments
  • Terms from 24 to 60 months
  • Reduced APR options available
  • Budget with confidence
  • No prepayment penalty
Apply for This Plan

*Subject to credit approval. Promotional financing terms are contingent on plan selection and creditworthiness. See your Synchrony credit agreement for full terms.

Simple Process

How Financing Works

From application to installation, we keep it straightforward.

1

Get a Quote

Call us or schedule online. We'll assess your needs and provide an honest, transparent estimate with no hidden fees.

2

Apply Online

Complete a short application through our secure Synchrony link. Most decisions are instant — no lengthy waiting period.

3

Get Approved

Once approved, choose your plan. We'll review your terms together so you fully understand your payment schedule.

4

We Handle the Rest

Your work gets scheduled and completed by our licensed technicians. You stay comfortable — we handle the paperwork.

Our Finance Partner

Powered by Synchrony

Synchrony

A Lender You Can Trust

Merge Solutions partners with Synchrony, one of the largest consumer financial services companies in the United States. Synchrony has decades of experience providing responsible, transparent financing options for home services.

Your application is handled securely. If approved, you manage your account directly through Synchrony's online portal — making payments and tracking your balance has never been easier.

Apply Through Synchrony
Why Choose Us

Financing You Can Feel Good About

Secure Application

Your personal information is encrypted and protected through Synchrony's secure platform.

Fast Decisions

Most applicants receive a credit decision within minutes — no waiting around for days.

Licensed Technicians

Every job is performed by our licensed, background-checked HVAC professionals. License CR110439.

Neighborly Service

We're local. We live here too. You'll always speak with someone who knows your community.

Questions Answered

Frequently Asked Questions

Everything you need to know before applying for HVAC financing.

Synchrony performs a hard credit inquiry when you submit a full application, which may temporarily affect your credit score. This is standard practice for all consumer credit products and is disclosed during the application process.
Synchrony evaluates multiple factors including credit history, income, and existing debt obligations. We encourage you to apply — approval decisions are made by Synchrony and we cannot guarantee specific outcomes, but many customers with a range of credit profiles have been successfully approved.
Yes. Financing is available for qualifying repairs, maintenance service, and full equipment installations. Minimum purchase amounts apply depending on the plan selected. Contact us for details specific to your service needs.
Deferred interest promotional plans require you to pay the full balance before the promotional period ends to avoid interest charges. If you do not pay in full, interest accrued since the purchase date may be added to your account balance. We strongly recommend reviewing your Synchrony credit agreement carefully.
Payments are managed directly through Synchrony. You can pay online via their customer portal, by phone, or by mail. Synchrony also offers autopay so you never miss a payment.
No. You may pay off your Synchrony balance at any time without penalty. Paying early during a promotional period will help you avoid any deferred interest charges.
Ready to Get Started?

Apply for Financing Today

Get approved in minutes and schedule your service the same day. Have questions before applying? Give us a call — we're here to help.

Apply Through Synchrony Call (478) 314-8900 Send Us a Message

  Mon – Sat: 8:00 AM – 6:00 PM  |  Emergency: 24/7