Financing | Highland Heating & Air
Financing

Get It Fixed.
Pay Over Time.

A furnace or A/C failing is not something to save up for first. Through Synchrony Bank we offer six plans so you can get the right system installed now and pick payments that fit your budget.

No down payment Six plan options Rates from 0% APR Nothing due until work is done
No Down Payment
Qualified applicants can move forward with nothing due upfront.
Fast Decisions
Apply online and get an answer in minutes, not days.
Six Plans To Choose From
Lowest payment, lowest rate, or interest free. You pick what fits.
No Surprise Terms
Synchrony provides full disclosures before you sign anything.
Synchrony Plans

Six Ways To Pay

All plans are through Synchrony Bank and subject to credit approval. We can walk you through which one fits your project when you call.

Lowest Payment
Plan 943
9.99% APR
Until Paid In Full
The smallest monthly payment of the six, spread over 132 months. Best when keeping the monthly number low matters most.
  • Fixed 9.99% APR
  • Payment of 1.25% of the amount financed
  • 132 fixed monthly payments
Apply Now
No Interest
Plan 930
0% APR
For 25 Months
No interest charged, split into 25 equal payments. A straightforward way to spread out a bigger project.
  • 0% interest, no interest charged
  • 25 equal monthly payments
  • Popular for full system replacements
Apply Now
Lowest Rate
Plan 980
5.99% APR
Until Paid In Full
The lowest interest rate of our fixed rate plans, with the balance paid off in about three years.
  • Fixed 5.99% APR
  • Payment of 3% of the amount financed
  • 37 fixed monthly payments
Apply Now
Plan 965
11.99% APR
Until Paid In Full
A fixed rate option with a moderate monthly payment for homeowners who want a predictable middle ground.
  • Fixed 11.99% APR
  • Payment of 1.75% of the amount financed
  • 86 fixed monthly payments
Apply Now
Plan 920
No Interest If Paid
In Full, 6 Months
A deferred interest plan for smaller jobs you plan to pay off quickly. Best when you already have the funds coming.
  • Deferred interest promotion
  • Must be paid in full within 6 months to avoid interest
  • Required payment is 2.5% of the highest balance
Apply Now
Plan 924
No Interest If Paid
In Full, 18 Months
Same deferred interest structure with more runway. A longer window to pay off a mid size project interest free.
  • Deferred interest promotion
  • Must be paid in full within 18 months to avoid interest
  • Required payment is 2.5% of the highest balance
Apply Now
Not sure which plan fits your project? Call 719.930.2200 and we will walk through it with you.
Call Now
What Financing Covers

Full Systems, Not Just Parts

Furnaces
92% AFUE and higher, sized for our elevation.
Air Conditioners
Quiet, efficient cooling built for dry summers.
Heat Pumps
Efficient heating and cooling in one system.
Smart Controls
Thermostats, humidifiers, and filtration upgrades.
Not Sure What You Need Yet

See A Price Before You Call

Our estimator on the homepage sizes a system for your house and shows an estimated monthly payment for each of these six plans, side by side.

Try The Estimator

Financing is provided through Synchrony Bank on approved credit, on qualifying purchases made with a Synchrony Bank credit card. Highland Heating & Air is not a lender and does not make credit decisions. Rates, terms, and payment amounts shown here are general plan descriptions; final terms and full disclosures are provided by Synchrony Bank at the time of application.

Reduced APR plans (943, 980, 965): Interest is charged on the promotional purchase from the purchase date at the reduced APR shown, and fixed monthly payments are required until paid in full. Payments equal the stated percentage of the initial promotional purchase amount, rounded up to the next whole dollar. 0% plan (930): No interest is charged, and equal monthly payments equal to the purchase amount divided by 25, rounded up to the next whole dollar, are required until paid in full. On all fixed and equal payment plans, the final payment may be reduced due to prior rounding.

No interest if paid in full plans (920, 924): Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period. Fixed monthly payments are required equal to 2.5% of the highest balance applicable to the promotional purchase, rounded up to the next whole dollar. These required payments may not pay off the balance before the promotional period ends.

Regular account terms apply to non promotional purchases and, after the promotional period ends, to promotional purchases. New accounts as of 08/29/25: Purchase APR 26.99%. Minimum interest charge $2. One time account activation fee of $29 charged when the first purchase posts to the account. Existing cardholders should see their credit card agreement for terms. Subject to credit approval. Payment is due in full upon completion of work unless financing has been arranged prior to installation.

Ready To Get Started?

Apply in a few minutes, or call and we will help you pick the right plan.