AC Unit Financing in Phoenix, Arizona


Are you looking to finance your new AC unit or AC repair? Comfort One Air Conditioning  offers convenient financing options for ac installations & ac repairs in Phoenix, Arizona. 

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AC Unit Financing in Phoenix Arizona

Air Conditioning Financing Powered By Synchrony

At Comfort One, we strive to offer products & services that align with the needs of our clients. As Scottsdales #1 HVAC Contractor we recognized the importance of AC unit financing and AC repair financing. We are pleased to announce our HVAC financing partnership with Synchrony, a leader in consumer financing solutions. No matter if you need AC repair or a new AC unit financed – Synchrony offers competitive solutions for the products and services you choose with us:

ac unit financing phoenix

No matter if bad credit or not - Our AC unit financing options through Synchrony allow you to immediately address your HVAC system installation or repair needs. You don't need to worry about paying the full cost upfront. Manage your personal finance easily. With flexible loan rates, you can pay your HVAC loan in monthly payments. Choose a financing option that fits best - you choose the timeline and rate that fits your budget, allowing you to make incremental payments over time. This ensures that you don't have to compromise on your comfort or put off essential AC repairs or AC installations.


Even if you have a bad credit score you can apply for a personal loan with the loan amount you need. There is no minimum credit score, even though your credit score will play a role in deciding on loan amount, repayment terms and overall credit approval.

The Synchrony AC unit financing application process has been streamlined for efficiency, enabling quick credit decisions.  This expedites the overall process of repairing or replacing your AC unit, allowing you to get back to a comfortable living environment more rapidly.

Transparency is a key part of our AC unit financing program with Synchrony. The terms and conditions are clearly laid out from the onset, providing you with an understandable and straightforward repayment plan. With no hidden fees or unexpected charges, you can plan your budget confidently, knowing that the agreed-upon terms will be honored. You can flexibly pay back your personal loan with interest rates that are transparent and fair.

As a Synchrony customer, you have access to a dedicated support team that can answer any questions you may have about your AC unit financing plan. Whether you're looking to understand your payment options, check on your repayment status, or resolve any issues, their professional team is readily available to provide assistance, ensuring that your financing journey is smooth and stress-free. 

How To Finance Your Air Conditioner With Synchronies Low APRs & Monthly Payments

1. Apply For AC Unit Financing

No matter if bad credit or not - Fill out a secure online application on Synchrony's website.

2. Receive Instant Financial Decision for your AC Unit or AC repair

You will receive an instant decision/credit approval on your AC financing application after submission.

3. Get Your New Unit Installed

Use the AC unit financing with low interest rates to get a new ac unit installed or your old ac unit repaired.

You Can Utilize Your Air Conditioning Financing For Our HVAC Repairs & HVAC Installations

HVAC installations

If you are looking to replace or install a new air conditioning system in your home, Comfort One is here to help! From air conditioning installations to heat pump, ductless mini split, furnace and duct work installations. Our HVAC financing options (in partnership with Synchrony) will help you get an HVAC loan with low monthly payments.

HVAC repairs

When your air conditioning or heating system brakes down, you need to get it fixed fast. Get special financing offers for your AC repair, ductless mini split, heat pump or furnace repair.  Our HVAC repair financing options (in partnership with Synchrony) will help you get an HVAC loan with low monthly payments to take care of your repairs immediately.

Why Our Clients Love Our HVAC InstallationS & Repairs

Commonly Asked HVAC Financing Questions

1. What Credit Score Do You Need to Finance an HVAC System?

A minimum credit score for AC unit financing with Synchrony of 600 is required for credit approval. If you provide home equity there may be special financing offers available to you. A higher credit score may offer more favorable loan rates and repayment terms. When seeking HVAC financing, especially if you have bad credit, it’s crucial to review all financing options, including HVAC loans, to find one that aligns with your personal finance situation.

2. Is it Better to Finance or Pay Cash for an AC Unit?

Financing an air conditioning unit can make the purchase more manageable by spreading the cost over time, despite potential interest rates. Paying upfront with cash eliminates the need for a monthly payment and can be more economical in the long run. It’s important to consider your personal finance situation and the specific air conditioning financing or air conditioner financing plans available.

3. How Do People Afford AC Units?

AC units are typically financed through a range of options such as personal loans, credit cards, specific ac unit financing or cash. Financing options are designed to accommodate different financial situations and credit scores. For those with bad credit, certain lenders might offer HVAC financing with varied loan rates. Other options to consider include using home equity or exploring special financing deals that cater to various products, including air conditioning units.

4+ Decades Of HVAC Experience

Comfort One serves as Phoenixs go-to HVAC with over 4 decades of combined experience.

2,250+ HVAC Systems Repaired

With over 2,250 HVAC systems repaired, we're prepared to deliver reliable & cost-efficient solutions fast.

500+ HVAC Emergencies Solved

As a HVAC first responder, we are here for your families safety & comfort, when you need us the most.

Contact Us Today To Schedule Your AC Repair or Replacement

Comfort One Air Conditioning LLC

Phoenix, Arizona

Regular service hours:

Mo. to Sun. 08:00 AM – 05:00 PM

Contact us

Phone: (602) 247-6151

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