HVAC Financing
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0% APR Financing for 24 Months on HVAC Installations
Horizon HVAC partners with Synchrony Financial to offer no-interest financing on heat pumps, central AC, furnaces, and complete home HVAC installations. Most qualifying buyers approve in under five minutes online or by phone — with no impact to your credit score until you accept the offer.
Three terms are available based on what fits your budget: 0% APR for 24 months (best value), 60 months at 9.99% APR (most popular), or 120 months at 9.99% APR (lowest monthly payment). Combine your financing with Clean Heat RI rebates — up to $11,500 per heat pump install — for the lowest out-of-pocket cost in Rhode Island.
Rapid and Reliable Heat Pump Repair Services
When a heat pump malfunctions, it affects both your heating and cooling capabilities. A broken heat pump means both your heating repair and ac repair needs must be addressed simultaneously. Our team is trained in advanced diagnostics to handle all common and complex issues, ensuring minimal downtime for your comfort.
0% APR for 24 Months
No interest, no fees. Pay the balance within 24 months and the financing costs you nothing.
Same-Day Decision
Synchrony decisions in under five minutes. Most customers approve during their quote call.
Soft Credit Check
Pre-qualification uses a soft pull only. No impact to your credit score until you accept.
No Prepayment Penalty
Pay extra or pay off the full balance any time without fees. Only pay interest while you carry it.
Financing FAQ
What makes a heat pump system so efficient compared to a traditional furnace?
The pre-qualification check uses a soft credit pull only — no impact to your credit score. A hard pull only happens if you accept the offer and move forward with the install.
What are the most common issues that require professional heat pump repair?
If you do not qualify for the 0% promotional term, Synchrony often approves at the standard 9.99% APR with 60 or 120-month terms. Your Horizon rep walks through every option before you commit to anything.
When should I choose heat pump replacement over continuing with repairs?
Yes — no prepayment penalty. Pay extra each month, make a lump-sum payment, or pay off the full balance any time. You only pay interest on the time you carry the balance.
How do I protect my heat pump investment and ensure it lasts?
No origination fees, no annual fees. The only catch on 0% promotional financing: if you do not pay the full balance within 24 months, deferred interest may be charged back to the original loan date. Most of our customers either pay it off in time or refinance to the extended term before the promo period ends.
If my heat pump breaks down, does it affect both my heating and my cooling?
Yes — Clean Heat RI rebates stack on top. You finance the gross install cost; the rebate check arrives separately within 60-90 days. Many customers use the rebate to make a large early payment, knocking down the principal fast.
Trusted By Rhode Island Homeowners
Ready to apply for HVAC financing?
Click Apply Online — Synchrony below to start your application directly with Synchrony, or call (401) 425-9879 and your Horizon rep will walk you through it. Soft credit check — you get a decision in minutes with zero credit impact until you accept the offer.