Plan 600 · Deferred interest
Financing
Financing Options for Your HVAC Project
For Bay Area homeowners who prefer to spread out the cost of a residential HVAC project, 3rdGen can provide access to available Synchrony financing options during the proposal process. Financing is optional and subject to credit approval and current program terms.
Synchrony promotions
Available HVAC Financing Plans
Available financing plans and promotional terms can change over time. Current options may include promotional-interest periods or fixed-payment financing, subject to Synchrony’s approval and program terms.
Last reviewed: September 14, 2026
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Plan 603 · Deferred interest
No interest if paid in full within 18 months
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Plan 982 · 0% APR
0% interest for 36 months
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Plan 980 · Fixed APR
5.99% APR until paid in full
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Plan 983 · Fixed APR
9.99% APR until paid in full
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Plan 984 · Fixed APR
12.99% APR until paid in full
How it works
How HVAC Financing Works
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01
Ask About Financing
Tell us during the project discussion that you would like to review financing options.
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02
Review Available Plans
We’ll direct you to the current Synchrony financing options available for qualifying residential projects.
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03
Choose What Works for You
Financing is optional. Your HVAC design, equipment selection, and installation standards do not change based on how you choose to pay.
Financing may apply to qualifying heat pump installation and full-system HVAC replacement. Rebates and financing can apply to the same project — see heat pump rebates and incentives when incentives are part of the plan.
Please note
Important Financing Notice
Financing is offered through Synchrony and is subject to credit approval, current promotional availability, account terms, and other lender requirements. 3rdGen does not determine credit approval, interest rates, financing limits, or final lending terms. Current offers may change without notice.
Deferred-interest and 0% APR promotions may accrue interest if the balance is not paid in full by the end of the promotional period. Minimum monthly payments are required.
FAQ
Common Questions
Practical answers on Synchrony, timing, and how financing fits a residential HVAC project.
Do you offer HVAC financing directly?
No. Financing is offered through Synchrony. 3rdGen can provide access to available options during the proposal process, but we are not a lender and do not set credit approval, rates, or account terms.
Are 0% interest promotions available?
Current 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. Availability and final terms are set by Synchrony at approval and are subject to current program terms.
When should I ask about financing?
Ask during the project discussion, before the proposal is finalized. That is when we can point you to the current Synchrony options available for qualifying residential work.
Can financing be used for a heat pump installation?
Yes. Financing may be used for qualifying residential HVAC projects, including heat pump installation and full-system replacement, subject to Synchrony credit approval and current program terms.
Can financing and rebates apply to the same project?
Often yes. Many homeowners use available incentives alongside financing. Rebates are not guaranteed, and financing does not change how we design or install the system.
Does financing change the HVAC proposal or project scope?
No. Equipment selection, sizing, installation standards, and commissioning stay the same regardless of how you choose to pay. Financing is optional.
Project Inquiry
Inquiry Sent
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