Financing for HVAC & Plumbing Work
Synchrony · GoodLeap · Kwik Comfort · promotional rates for qualified buyers · subject to credit approval
Our financing partners
Synchrony Private Finance
The most flexible option for the widest range of jobs — HVAC installs, water heaters, repipes, plumbing repairs. Terms typically 6 to 115 months. Promotional rates from 0% APR up to 9.99% APR depending on program and buyer credit. Subject to credit approval.
GoodLeap
Strongest fit for full-system HVAC installs and bigger-ticket projects where longer terms help the monthly payment make sense. Application is online and fast. Rates and terms vary by program and credit; we’ll show the offer before you commit.
Kwik Comfort Financing
Manufacturer-backed financing program (Synchrony-administered) for qualifying Goodman and Daikin equipment installs. Promotional financing offers run throughout the year — ask us which one is active when you’re ready to schedule.
How financing actually works with Anthem
- We walk the job first and give you a written estimate. No financing pitch before you know what the work costs.
- You pick the partner that fits. We’ll tell you which lender’s program lines up best with the job size and your timeline.
- Application is online — usually 5–10 minutes. Approval decisions come from the lender, not from Anthem.
- You see the offer before signing. Real APR, real monthly payment, real total cost of financing. If the offer doesn’t work for you, you walk — no obligation.
- Once approved, we schedule the install on your timeline. Lender pays Anthem directly; you pay the lender per the terms you signed.
All financing offers are subject to credit approval by the lender. Anthem is not a lender and does not make credit decisions.
Ready to talk numbers on a real install? We’ll show you everything.
Service areas
Frequently asked questions
What can I finance through Anthem?
Full HVAC system installs, AC replacements, furnace and heat pump installs, water heater swaps (tank and tankless), whole-home repipes, gas-line work, and larger plumbing projects. Smaller repairs are usually paid out of pocket because the financing fees don’t make sense on a small ticket.
What kind of credit do I need to qualify?
It varies by lender and program. Synchrony’s promotional 0% offers generally need stronger credit; longer-term programs at higher APRs are accessible to a wider range of buyers. We can’t tell you what you’ll be approved for — only the lender can — but applying takes about 5–10 minutes and won’t commit you to anything.
Are there fees on top of the financing?
Some programs (especially deferred-interest promotional offers) have specific terms about when interest starts accruing — you need to pay the balance in full within the promo window or interest is charged retroactively. The lender’s offer paperwork spells this out clearly. Read it before signing. We’ll walk through it with you if helpful.
Does Anthem mark up the price for financing customers?
No. The written estimate is the same number whether you pay cash, credit card, or finance. Financing fees come out of Anthem’s side of the transaction with the lender — not added onto your quote.
What happened to YGRENE and HERO — I saw those on the old page?
YGRENE Energy Fund shut down its residential PACE financing program in March 2024 so it’s no longer an option. HERO (Renew Financial) still operates but PACE financing attaches to your property tax bill and has had real consumer-protection concerns — we’d rather steer homeowners toward the conventional lenders above. If you’re specifically asking about PACE, we’ll have an honest conversation about whether it fits your situation.
Are you licensed and insured?
Yes — California CSLB #1001659 (Anthem Mechanical Inc., dba Anthem Air Conditioning & Plumbing), C-20 HVAC and C-36 plumbing classifications. General liability and workers’ comp on every job.