Rated 5 out of 5 Stars by 100+ Homeowners

Financing Solutions for Heating & Cooling

Q: How long does the approval process take?

Most approvals come back within minutes after completing the application.

Q: Is there an interest-free or promotional financing option?

Yes, qualified homeowners can access promotional financing options including 0% interest plans and no interest if paid in full within promotional periods.

Comfort shouldn’t wait. Higgins offers flexible financing options—including 0% plans and low monthly payments—so you can replace or repair your system without the upfront stress.

Financing through Higgins

Example monthly payment based on a standard 3-ton HVAC unit replacement.

$99/mo

What's Included

Soft credit check pre-qualification (NO impact on credit)

Flexible terms — choose 132 months for lower payments or 25 months at 0% interest

No-pressure, clear breakdown of costs

Often approved within minutes

Financing designed specifically for HVAC replacements 

Install now, pay later — comfort without the upfront cost

Local service + direct communication from Sam and the Higgins team

Honest recommendations based on what your home actually needs

Top-Rated HVAC Financing

Other Companies

Example monthly payment based on a standard 3-ton HVAC unit replacement.

$285/mo

What's Included

Higher APRs (often 6.5%–12.5% depending on lender)

Capped at 80–90% of project cost

10–20% down payment typically required

Hard inquiry required on your credit

Offers not tailored to HVAC replacements

1–2 week approval timelines

Less personalized support — you’re another ticket, not a customer

Apply with Synchrony

*Subject to credit approval. Need more information? Talk to our team now.

_{Monthly payment examples based on average HVAC system pricing and typical credit profiles. Actual payment amounts vary by home, system size, lender terms, and financing approval. All loans originated through Synchrony or participating lending partners.}

How Our Financing Works

Choose the Right System for Your Home

We start with a free in-home consultation to understand your comfort needs, budget, and home layout. Our team walks you through your system options and helps you choose the best fit—no pressure, just honest recommendations.

Review Flexible Payment Options

Once you’ve picked your system, we’ll show you available financing plans with clear monthly payment options. We partner with trusted financing providers to help make your investment affordable—often with low or even no interest options for qualified homeowners.

Apply in Minutes

Applying is quick and easy. We’ll help you complete the financing application on the spot or online, and most approvals come back within minutes. No long paperwork, no confusion.

Install Now, Pay Over Time

After approval, we schedule your installation and get your new system up and running fast. You get immediate comfort while spreading payments out over time—simple, stress-free, and built around your budget.

HVAC
Installation Packages

Base Comfort

Heat Pump

1.5-5 ton

14 SEER/SEER2

80% AFUE

Single-Stage

Standard 75db

Schedule now

Finance it

Smart Comfort

Heat Pump

1.5-5 ton

14 SEER/SEER2

90% AFUE

SIngle-Stage

Lower than 75db

Schedule now

Finance it

Total Home System

Heat Pump

1.5-5 ton

15 SEER/SEER2

96% AFUE

Two-Stage

Quiet Operation 65db

Schedule now

Finance it

Legacy Performance

Inverter Heat Pump/Variable-Speed System

1.5-5 ton

18+ SEER2

96%

Variable-Speed Inverter

Ultra-Quiet (as low as 56db)

Schedule now

Finance it

Frequently Asked Questions

Have questions about financing your HVAC system? We’ve gathered the most common answers to help you understand your options and choose the payment plan that works best for your home and budget.

Got more questions?

Call (864) 992-0835

Can I get financing for both repairs and full system replacements?

Yes! Financing is available for new installations, major repairs, and even unexpected emergency service needs.

Do I need good credit to qualify?

Credit requirements vary by plan, but many customers qualify for financing—even with less-than-perfect credit.

How long does the approval process take?

Typically within minutes after completing a quick form. Depending on the program, promotional offers such as no interest if paid in full within a set term may be available. Ask our team for the latest offers.

How do I apply for HVAC financing?

Most applications are approved within minutes, allowing you to move forward with repairs or new installations right away.

Is there an interest-free or promotional financing option?

You can apply online through our financing partners or directly with help from our team. We’ll walk you through the process step by step.