HVAC & Home Service Financing Options

It depends on the program. YGrene uses a soft credit pull that does not impact your credit score. Synchrony involves a hard credit pull when you formally apply for the card, which may briefly affect your credit by a few points (the standard impact of any new credit application). Microf typically uses lighter qualification criteria with minimal credit impact. We can walk you through which is which before you apply.

Synchrony approvals are usually instant or same-day through the online application. YGrene typically takes 20 to 30 minutes for the underwriting review, plus time to gather your income documents. Microf decisions are generally quick as well. In most cases, we can move from approval to install scheduling within a few business days.

Yes. All three programs can be used to finance the full project cost — not just the equipment. That includes labor, permit fees, any required electrical work, code upgrades, and applicable taxes. We provide a single project total so the financing is wrapped around the real, all-in price.

You still have options. YGrene’s approval is based primarily on the equity in your home rather than your FICO score, so a lower credit score alone doesn’t disqualify you. Microf has minimum financial requirements and a lease-to-own structure, which means it’s available to a broader range of customers than traditional lenders. We’ll help you find the best program for your specific situation.

Yes for all three. Synchrony promotional plans are designed to be paid off inside the promo window without paying any interest. YGrene has no prepayment penalty — one partial prepayment per tax year is allowed with a $2,500 minimum. Microf has an early purchase option that lets you take ownership of the equipment sooner. Terms vary, so confirm specifics with us before applying.

PACE stands for Property Assessed Clean Energy. It’s a Florida-authorized financing structure (Statute 163.08) for energy-efficient and hurricane-protection home improvements. Instead of being a traditional consumer loan, the financed amount is added to your property tax bill as a special assessment and repaid over time alongside your annual taxes. Because it’s secured by the property, approval is based mostly on home equity and tax history, not your credit score. YGrene places a first-priority assessment on your property until the balance is paid off.

No. Microf is a lease-to-own (rent-to-own) program. You make monthly payments toward use of the equipment, and ownership transfers once all required payments and the buyout option are completed. The total cost over the full lease term will typically be higher than a comparable traditional loan, which is why we recommend Synchrony or YGrene first when you qualify for either. Microf exists to give customers who don’t fit those a path forward.

For YGrene, yes — every person on the property title needs to be on the application (name, date of birth, Social Security number). Synchrony and Microf approve the individual applicant on standard criteria, so the applicant doesn’t need to own the property, but the project still requires the homeowner’s authorization to be performed. We’ll confirm what’s needed before you start any application.

Lenders set rates by program, promotional period, project size, and applicant qualification. Posting a specific number could be inaccurate by the time you actually apply. We give you the real rate and the full payment math in your estimate, before you commit to anything.