Flexible Financing

Upgrade comfort now, spread payments over time.

Apply with Synchrony

Finance Your New AC or System Upgrade

Enjoy reliable comfort without large upfront costs. With financing through Synchrony, you can split your project into affordable monthly payments while benefiting from efficient, dependable equipment.

  • Quick, paperless application
  • Promotional plans for qualified buyers
  • Low monthly payments that fit your budget
  • Great for replacements or full system installs

How It Works

  1. Click Apply with Synchrony.
  2. Complete the secure application (most decisions in minutes).
  3. Choose a plan that fits your needs and schedule your install.

Subject to credit approval. Minimum monthly payments required. See Synchrony for terms and conditions.

Synchrony — Here to Help

Questions about your account or these updates? Customers can contact Synchrony using the phone number on their statement or on the back of their card.

Customer Impact

These changes affect financing and credit card terms for new cardholders. If customers have questions, they should contact Synchrony using the number on the back of their card.

  • Clear fee disclosures on all advertising
  • Consistent language across web, print, and digital assets

Activation Fee

For cardholders who open an account on or after August 29, 2025, the cardholder activation fee is $29 when they make their first purchase.

Note for advertisers: ensure your website, landing pages, and any promotional materials reference the $29 activation fee by September 30, 2025.

Partner Resources

Advertising Collateral (Advertising Wizard / Business Center) Disclosure Generator (Generate compliant language)

These tools help you order free marketing materials and generate compliant disclosures for promotional advertising.

Financing FAQs

No — you can finance part or all of your project. We’ll work with you to find the best fit for your budget.

Most decisions are returned in minutes after you submit the application online.

Yes — promotional financing is often available for qualified buyers. See the Synchrony portal for current offers and full terms.

For accounts opened on or after August 29, 2025, the activation fee is $29 when the first purchase is made. If you have questions, please contact Synchrony using the number on the back of your card.
Start Application

Subject to credit approval. Minimum monthly payments required. Terms and conditions apply.