HVAC Financing Plans

18 Months No Interest

No Monthly Interest if Paid in Full Within 18 Months
(Deferred Interest)

Monthly interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 18 months. Fixed monthly payments are required equal to 2.50% of the highest balance applicable to this promo purchase until paid in full. See below for additional information.

No monthly interest will be charged on the promo purchase if you pay the promo purchase amount in full within 18 Months. If you do not, monthly interest will be charged on the promo purchase from the purchase date.

Fixed monthly payments are required equal to 2.50% of the highest balance applicable to this promo purchase until paid in full.

The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase.

Depending on purchase amount, promotion length and payment allocation, the required minimum monthly payments may or may not pay off purchase by end of promotional period. 

6 Month No Interest

Same details as above. No monthly interest if paid in full within 6 months.

28 Month Plan at 9.99% Interest

Monthly interest will be charged on promo purchases from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required equal to 3.00% of initial promo purchase amount until promo is paid in full.

The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases.

3 Year Plan at 5.99% Interest

Reduced 5.99% APR and fixed monthly payments equal to
3.00% of promo purchase amount – Until Paid in Full

Estimated payoff period 37 months (3 years & 1 month). See below for additional information.

Monthly interest will be charged on promo purchases from the purchase date at a reduced 5.99% APR, and fixed monthly payments are required equal to 3.00% of initial promo purchase amount until promo is paid in full.

The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases.

11 Year Plan at 9.99% Interest

Reduced 9.99% APR and fixed monthly payments equal to
1.25% of promo purchase amount – Until Paid in Full

Estimated payoff period 132 months (11 years). See below for additional information.

Monthly interest will be charged on promo purchases from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required equal to 1.25% of initial promo purchase amount until promo is paid in full.

The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases.

Expand your purchasing power with Promotional Financing through Synchrony.
Synchrony is one of the nation’s premier consumer financial services companies. Our roots in consumer finance trace back to 1932, and today we are the largest provider of private label credit cards in the United States based on purchase volume and receivables.
  • A simple application process, and fast credit decisions
  • Unsecured, revolving credit lines
  • Promotional financing options1
  • Convenient monthly payment options
  • Online account management
1Subject to credit approval. Minimum monthly payments required. See store for details.
For all promotions: Qualifying purchase must be made with your Home Design credit card issued by Synchrony Bank and a $29 account activation fee will apply and be charged at the time first purchase posts to account. For new accounts: Purchase APR is 26.99%; Minimum Monthly Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.