HVAC Financing in Garner: How 0% for 18 Months Works

A new heat pump or air conditioner is a big purchase, and it rarely shows up on your schedule. Systems tend to quit on the hottest day in July or the coldest night in January. That is why many Garner homeowners look into HVAC financing.

At All Hours Heating & Air, we offer 0% financing for 18 months through Synchrony, with approved credit. Below, we explain in plain language how it works, what to watch for, and how to apply.

Why Finance a New HVAC System?

Financing lets you spread the cost of a new system over time instead of paying it all at once. That can help you:

• Replace a failing system now instead of living with breakdowns.
• Choose a more efficient system instead of the cheapest option, which can lower your power bills over time.
• Keep your savings available for emergencies.

For many families, heat pump financing is the difference between a rushed decision and the right one.

How 0% for 18 Months Works

Our Synchrony offer is a promotional financing plan. Synchrony describes these as "No Interest if Paid in Full Within X Months" offers. Here is the basic idea:

1. You make a qualifying purchase (like a new heat pump) using a Synchrony credit account, subject to credit approval.
2. You make at least the minimum monthly payment each month. "No interest" does not mean "no payments."
3. If you pay the full promotional balance within 18 months, you pay no interest on that purchase.

The Important Part: Deferred Interest

Most 0% HVAC financing offers like this one are deferred interest promotions. According to Synchrony, interest builds up (accrues) on your balance from the purchase date during the promo period. It is only charged if you do not pay off the promotional balance in full by the end of the promo period.

In other words:

• Pay it all off within 18 months: no interest on that purchase.
• Have any balance left after 18 months: interest that built up from the original purchase date is added to your account.

Synchrony also notes that the required minimum payments may not be enough to pay off the balance before the promotion ends. That means you may need to pay more than the minimum each month.

A Simple Way to Stay on Track

A simple approach: divide your total purchase by 17 or 18 and plan to pay at least that much each month. Setting up automatic payments and a calendar reminder a month or two before the promo ends can help too.

Exact terms, including the standard APR that applies after the promotion, are set by Synchrony and shown in your credit agreement. Always read those terms before you sign. You can learn more about how deferred interest works on Synchrony's website.

How to Apply During Your Free Estimate

Applying is part of our normal estimate process, so there is no extra trip.

Step 1: Book a Free Estimate

Call us or book online. A technician will come to your home to look at your current system, your home's layout and your comfort concerns.

Step 2: Review Your Options

We will walk you through system options that fit your home. You will see a clear written quote for each option, so you know exactly what you would be financing. We do not pressure you to buy on the spot.

Step 3: Apply With Synchrony

If you want to finance, we can help you start the Synchrony application right then. Approval is decided by Synchrony, not by us, and is based on your credit.

Step 4: Schedule Your Installation

Once you are approved and have chosen your system, we schedule your installation. Keep a copy of your financing terms and note the date your promotional period ends.

Combine Financing With Duke Energy Rebates

All Hours Heating & Air is a Duke Energy Trade Ally. Duke Energy offers rebates on qualifying high-efficiency heat pumps and other energy upgrades. Pairing a rebate with 0% financing can make a more efficient system easier to afford.

A few tips:

• Check current rebates first. Duke Energy programs and amounts change, so check Duke Energy's website for current offers, or ask us during your estimate.
• Pick equipment that qualifies. Rebates usually require certain efficiency levels. We can point out which options may qualify.
• Plan how you will use the rebate. One smart idea is to put any rebate money toward your financed balance so it is easier to pay off within the 18-month promo window.

Why Choose All Hours Heating & Air?

• Free estimates with clear, written quotes
• 0% for 18 months through Synchrony, with approved credit
• 10-year parts / 1-year labor warranty (plus a 10-year labor promotion on select products)
• Duke Energy Trade Ally
• NC license #35741
• 6 years serving Garner and nearby communities
• 5.0-star Google rating across 476 reviews

We serve Garner, Raleigh, Clayton, Knightdale and the Fuquay-Varina area. Explore our heat pump replacement and AC replacement services to see what a new system could look like for your home.

HVAC Financing FAQ

Does 0% for 18 months mean I pay nothing for 18 months?

No. You still need to make at least the minimum monthly payment. To avoid interest, you need to pay the full promotional balance within 18 months.

What happens if I don't pay it off in time?

With a deferred interest offer, interest that built up from the purchase date is charged to your account if any promotional balance remains after the promo period ends.

Will applying affect my credit?

Applying for credit can involve a credit check. Synchrony can explain how its application process works when you apply. Approval is up to Synchrony.

Can I use financing and a Duke Energy rebate together?

Often, yes. Rebates come from Duke Energy and financing comes from Synchrony, so they are separate. Check current Duke Energy rebate rules, or ask us during your estimate.

Book Your Free Estimate Today

Need a new heat pump or AC but want to spread out the cost? We will show you your options and help you apply for financing during your free estimate.

Call All Hours Heating & Air at (919) 695-0333 or book your free estimate online.

Financing subject to credit approval by Synchrony. Promotional terms apply; see your Synchrony credit agreement for details.