Upgrade comfort now and pay over time. Smith's Heating & Cooling offers trusted financing solutions for furnace, boiler, AC, heat pump, and mini-split installations.
Spread project cost over manageable payments while enjoying reliable comfort today. Financing can turn a necessary replacement or energy‑efficiency upgrade into an affordable monthly decision.
Break large installation costs into predictable monthly amounts that fit household budgets.
Many applications approved in minutes so your project can start without delay.
Seasonal offers and deferred interest plans help reduce overall project expense.
Choose repayment terms that align with long‑term financial goals and comfort priorities.
Pay off the balance early without extra fees—save on interest and own your comfort sooner.
Avoid draining emergency funds while still upgrading safety, efficiency, and reliability.
Smith's Heating & Cooling is a listed Elizabethtown Gas contractor. Homeowners switching from oil to natural gas with equipment that meets Elizabethtown Gas efficiency standards can finance the project at 0% APR for terms as long as seven years, and may also qualify for rebates on high-efficiency heating and water heating equipment.
We handle the program paperwork as part of your quote. Service Finance and Synchrony cover anything the utility programs don't. Subject to program terms, eligibility, available funding, and credit approval.
We believe everyone deserves a comfortable home, regardless of budget constraints. That's why Smith's Heating & Cooling offers flexible financing through Service Finance and Synchrony, making it easy to get the heating and cooling solutions you need today:
Spread costs over time with affordable payment plans
Get approved in minutes with our online application
Choose the plan length that fits your budget
Take advantage of seasonal financing specials
Pay off your balance early without extra charges
We've partnered with two trusted financing companies to give you flexibility and choice. Whether you need quick approval, promotional rates, or extended payment terms, we have an option that fits your budget and timeline.
Use the Service Finance link for direct online application or contact us to discuss Synchrony options. Most applications take only minutes.
Furnaces, boilers, air conditioners, heat pumps, mini-splits, oil-to-gas conversions, and qualifying accessory upgrades.
Yes. Because we're a listed Elizabethtown Gas contractor, homeowners converting to equipment that meets Elizabethtown Gas efficiency standards can get 0% APR financing for terms up to seven years. Details are on our natural gas conversion page. Subject to program eligibility and credit approval.
Yes—seasonal and limited promotional plans may include deferred or reduced interest for qualified purchases.
No—once approved we schedule your installation promptly, often same week based on equipment availability.
Yes—there are no prepayment penalties, allowing interest savings through early payoff.
Applications typically involve a credit check required by the financing provider to determine eligibility and terms.
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