Financing
HVAC Financing Support
HVAC upgrades are a major investment. For qualifying design-build scopes, we provide clear project documentation and Synchrony application support — including 0% interest for 36 months, no-interest-if-paid-in-full within 6 or 18 months, and fixed APR plans from 5.99% for eligible homeowners (subject to credit approval).
Approach
Scope first, then financing
Lenders and financing partners need to understand what you are buying: equipment scope, timeline, and installed cost. We start with design-build fit and project clarity, then provide invoices, scope summaries, and application support that match what underwriters typically require — without acting as a lender ourselves.
What we provide
What we provide
Scope clarity and line-item documentation for financing applications
Invoice and installation records organized for lender review
Synchrony application support — Plans 600, 603, 982, and fixed-rate options 980, 983, 984 when offered
Timeline and project phasing context for larger design-build installs
Coordination with rebate documentation when both incentives and financing apply
Clear separation of what we provide vs. what your bank, credit union, or lender handles
Financing
Comfort now, paid over time.
Spread the cost of your HVAC upgrade with Synchrony financing — promotional 0% and deferred-interest options plus low fixed-rate plans for qualifying design-build scopes.
- No interest if paid in full within 6 or 18 months
- 0% interest for 36 months on qualifying purchases
- Fixed payment plans from 5.99% APR
0%
Interest for 36 months on qualifying purchases
- 6 moNo interest if paid in full
- 18 moNo interest if paid in full
- From 5.99%Fixed APR until paid in full
Subject to credit approval · Promotional terms vary by plan
Current promotions
- Plan 600 Deferred interest
No interest if paid in full within 6 months
No Interest if Paid in Full within 6 Months
- Plan 603 Deferred interest
No interest if paid in full within 18 months
No Interest if Paid in Full within 18 Months
- Plan 982 0% APR
0% interest for 36 months
0% Interest for 36 Months
- Plan 980 Fixed APR
5.99% APR until paid in full
5.99% APR until Paid in Full
- Plan 983 Fixed APR
9.99% APR until paid in full
9.99% APR until Paid in Full
- Plan 984 Fixed APR
12.99% APR until paid in full
12.99% APR until Paid in Full
Financing through Synchrony is subject to credit approval. Promotional rates, plan numbers, and availability may change. Minimum monthly payments required. 3rdGen is not a lender and does not set financing terms.
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Common Questions
Common questions
Do you offer financing directly?
We do not act as a lender. We provide scope clarity and documentation that helps you work with your bank, credit union, financing partner, or Synchrony where applicable.
Are 0% interest promotions available?
Synchrony promotions for qualifying homeowners may include no-interest-if-paid-in-full within 6 months (Plan 600) or 18 months (Plan 603), 0% interest for 36 months (Plan 982), and fixed payment plans at 5.99%, 9.99%, or 12.99% APR until paid in full (Plans 980, 983, 984). Availability and final terms are set by Synchrony at approval; we help you apply with clear scope documentation.
When should I ask about financing?
Early in planning helps — once we understand scope and timeline, we can tell you what documentation to expect, which promotional terms may apply, and whether Synchrony or another path fits your project.
Can financing and rebates apply to the same project?
Often yes. Many homeowners use rebates or tax credits alongside financing. We keep documentation organized for both paths when your scope qualifies.