We Offer Financing
We have partnered with Wisetack to offer our customers flexible financing options, so you can pay over time rather than all at once. We offer 0% down, 0% interest financing options to help you handle this unexpected expense. The application takes about a minute to complete, and checking your options does not impact your credit score.
- Finance projects up to $65,000*
- Terms from 3 to 120 months*
- APRs range from 0 to 35.9%*
- No hidden fees or compounding interest
Prequalify today with no impact to your credit and contact us to learn about financing your next project.
Prequalify Now
*All financing is subject to credit approval. Your terms may vary. Payment options through Wisetack are provided by our lending partners. For example, a $5,500 purchase could cost $253.54 per month for 24 months, based on a 9.9% APR, or $1,833.33 per month for 3 months, based on a 0% APR. Offers range from 0 to 35.9% APR based on amount requested and creditworthiness. Not all merchants and lending partners participate in 0% interest programs. Terms range from 3 - 120 months and may vary based on merchant, lending partner, or transaction size. State interest rate caps may apply. No prepaid finance charges or participation fees. See additional terms at wisetack.com/faqs.
How It Works
Getting started with financing is straightforward.
Get Your Free Estimate
Call us at (828) 396-2608 or use our contact form to schedule a free, no-obligation estimate. We will assess your needs and provide a clear, written quote with no hidden fees.
Choose Your Payment Option
Once you have reviewed your estimate and decided to proceed, prequalify through Wisetack in about a minute with no impact to your credit score, or apply for the KwikComfort credit card through Synchrony Bank. Either way you get a fast decision.
Enjoy Your New System
We install your new system and you enjoy the comfort of your home while managing the cost with convenient monthly payments. No prepayment penalties if you want to pay it off early.
Estimate Your Monthly Payment
Enter a project amount to see sample monthly payment options through our financing partner, Wisetack, including our 12- and 24-month 0% APR promotional offers. This is an estimate only and checking your rate does not affect your credit score.
| Term | APR | Est. monthly payment |
|---|---|---|
| 3 monthsWisetack standard rate | 0% APR | $2,733.33/mo |
| 6 monthsWisetack standard rate | 5.9% APR | $1,390.28/mo |
| 12 monthsWisetack standard rate | 6.9% APR | $709.14/mo |
| 12 monthsStarnes 0% APR promotional offer | 0% APR | $683.33/mo |
| 24 monthsWisetack standard rate | 8.9% APR | $374.24/mo |
| 24 monthsStarnes 0% APR promotional offer | 0% APR | $341.67/mo |
| 36 monthsWisetack standard rate | 9.9% APR | $264.21/mo |
| 60 monthsWisetack standard rate | 9.9% APR | $173.82/mo |
Payments shown are estimates for illustration only. The 12- and 24-month 0% APR terms are promotional offers from Starnes Heating & Air, available on qualifying installs. All other terms shown are standard rates from our financing partner, Wisetack; your actual rate, term, and approval are determined by Wisetack and its lending partners based on creditworthiness and amount requested. Longer terms (up to 120 months) may be available for larger qualifying amounts. Offers range from 0 to 35.9% APR with terms from 3–120 months. See wisetack.com/faqs for additional terms.
Alternative Financing Option
Prefer a revolving credit line with a no-interest promotional period? The Residential KwikComfort credit card is a second option available to our customers.
Residential KwikComfort Financing
Heating, cooling, and ventilation needs can be a major purchase for your home. The Residential KwikComfort credit card through Synchrony Bank is designed to help increase your purchasing power so you can get the system your home needs without compromise.
We believe that financing should be simple and transparent -- just like our HVAC work. There are no hidden fees in our estimates, and there are no surprises in the financing process. You apply, you get a decision, and you choose the payment option that fits your budget.
Program Benefits
- Convenient monthly payment options
- Competitive interest rates
- No prepayment penalties
- Dedicated credit limit for future home improvement projects
- Simple application process with fast credit decisions
- No interest if paid in full within 18 months at participating contractors
Apply Now
KwikComfort Credit Card by Synchrony
The application takes just a few minutes and you will receive a fast credit decision. Click below to apply securely through Synchrony Bank.
Complete ApplicationYou will be redirected to Synchrony Bank's secure application
Already a Cardholder?
Manage your KwikComfort account, make payments, and view your balance through Synchrony Bank.
Manage Your AccountSynchrony Bank Customer Service
For questions about your KwikComfort credit card account, contact Synchrony Bank directly:
1-866-396-8254Mon - Sun: 7:30 AM - 12:00 AM ET
KwikComfort Promotional Terms
At participating contractors, no interest if paid in full within 18 months. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 18 months. A $69 account activation fee will apply when your first purchase posts to the account. Fixed monthly payments required equal to 2.5% of the highest balance applicable to this promotional purchase until paid in full.
Qualifying purchase amount must be on one receipt. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance except that the fixed monthly payment will continue to be required until the promotion is paid in full. New Accounts as of 07/16/24: Purchase APR 26.99%. Min Interest Charge $2. Subject to credit approval.
Financing Questions
Common questions about our Wisetack and KwikComfort financing options.
Questions About Financing?
Call us and we will walk you through the process. No pressure, no obligation.