HVAC Financing Made Easy
Comfort now, pay over time. Flexible financing options through Synchrony for new HVAC systems, repairs, and upgrades across the Inland Empire.
Apply online in minutes
A new heating and cooling system shouldn't have to wait. Apply directly with Synchrony to see what you qualify for — most homeowners get a decision in just a few minutes.
Why finance your HVAC project?
Replacing a furnace or installing a new air conditioner is one of the largest home investments most homeowners make. Financing breaks that investment into predictable monthly payments so you can move forward today.
Comfort right away
Don't wait through another Inland Empire heat wave or cold snap. Get your new system installed now and pay over time.
Upgrade, don't patch
Skip another expensive repair on an aging system and put that money toward a more efficient unit that lowers your energy bills.
Trusted lender
Synchrony is a leading U.S. consumer-finance company with home-improvement programs designed specifically for HVAC purchases.
What You Can Finance With Scott Heady AC & Heating
Synchrony financing through Scott Heady AC & Heating can be applied to virtually any qualifying HVAC purchase. From complete system replacements to upgrades that improve efficiency and indoor air quality, you can spread the cost across manageable monthly payments.
- New AC installation and central air-conditioning replacement
- Heating installation, including high-efficiency gas furnaces and heat pumps
- Ductless mini-split systems for additions, garages, and rooms without ductwork
- Ductwork repairs, sealing, and replacement
- Indoor air quality upgrades — whole-home filtration, UV lights, and humidity control
- Major AC repair and furnace repair projects
How Synchrony HVAC Financing Works
- Get your estimate. Contact us for a free written estimate on the work you're considering — whether that's a brand-new system or a major repair.
- Apply online. Click the Synchrony application link and complete the short form. Most applicants receive a decision within minutes.
- Schedule installation. Once approved, we'll schedule your installation or repair and apply your approved financing to the project.
- Enjoy your new comfort. Make affordable monthly payments while you enjoy a more efficient, more reliable home heating and cooling system.
Serving the Entire Inland Empire
Financing is available to qualified homeowners throughout our service area. From our base in Jurupa Valley, CA, we provide HVAC installation and replacement in Jurupa Valley, Riverside, Eastvale, Bloomington, Norco, Fontana, Grand Terrace, Colton, Rialto, Corona, Rancho Cucamonga, Loma Linda, Ontario, and Temescal Valley.
Have questions about financing or want help deciding between repair and replacement? Reach out to our team or call (951) 683-6162 — we'll walk you through every option before you ever sign anything.
A trusted local team behind every financed install
Financing only matters if the work behind it is done right. Scott Heady AC & Heating has installed and serviced HVAC systems across the Inland Empire since 1991, and every financed project comes with the same workmanship, warranties, and follow-up care as any other job we take on.
- Licensed and insured California HVAC contractor
- Honest, upfront pricing — no hidden fees
- Manufacturer warranties on all installed equipment
- Local, family-owned, with hands-on owner involvement
Ready to apply?
Click below to start your secure Synchrony application. It only takes a few minutes, and approved homeowners can move forward with their HVAC project right away.
Apply with SynchronySubject to credit approval. Financing terms provided by Synchrony — not by Scott Heady AC & Heating.
What Our Customers Say
Verified, unedited Google reviews from homeowners across Jurupa Valley, Riverside, Eastvale, and the wider Inland Empire — scroll through to read every recent rating.
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Areas We Serve
Scott Heady Air Conditioning & Heating, Inc. proudly serves homeowners and businesses throughout the Inland Empire. Our team of expert HVAC technicians provides fast, reliable service to keep your home comfortable year-round.
Frequently Asked Questions
Who provides Scott Heady AC & Heating's financing?
Financing is offered through Synchrony, one of the largest providers of consumer financing in the United States. Synchrony's home-improvement program is widely used by HVAC contractors and offers promotional terms that can make a new air conditioner, furnace, or full heating and cooling system far more affordable than paying upfront.
What HVAC services can I finance?
You can finance virtually any qualifying purchase, including a new AC installation, heating installation, ductless mini-split system, ductwork upgrade, or indoor air quality equipment. Major repairs may also qualify. We'll review the details with you when we provide your written estimate.
Will applying affect my credit score?
Synchrony performs a credit check as part of the application, which can have a small temporary impact on your score, similar to applying for any line of credit. The application takes only a few minutes online and you'll receive a decision quickly.
Can I use financing for emergency HVAC repairs?
Yes. If you're facing an unexpected breakdown — a furnace that won't heat in winter or an air conditioner that fails during a Jurupa Valley summer — financing lets you restore comfort right away and pay over time instead of waiting until you have the full amount saved.
Do you offer financing on maintenance plans?
Routine maintenance is generally an out-of-pocket expense, but if your maintenance visit uncovers a larger repair or a system replacement, that work can typically be financed. We're happy to walk through your options after any service call.
Get the comfort you need today
Apply online in minutes, or call (951) 683-6162 to talk through your project with our team before you apply.