Flexible HVAC Financing Options

0% Interest for 60 Months Promotion

• Minimum Purchase Requirement: Minimum qualifying purchase amount applies
• Equal Monthly Payments: Make 60 equal monthly payments to pay off the full purchase amount
• Credit Approval Required: Subject to credit approval by Wells Fargo Bank, N.A.
• Deferred Interest: Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period
• Regular APR: After promotional period, standard APR applies to remaining balance
• Minimum Monthly Payments: Required minimum monthly payments may or may not pay off the purchase before the end of the promotional period

Important Disclosures

Account opened in the name of account holder. Wells Fargo financing is issued by Wells Fargo Bank, N.A., an Equal Housing Lender. Special terms apply to qualifying purchases charged with approved credit. The special terms APR will continue to apply until all qualifying purchases are paid in full. The monthly payment for this purchase will be the amount that will pay for the purchase in full in equal payments during the promotional (special terms) period. For new accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is accurate as of [date] and is subject to change. For current information, call us at the number on your statement or contact Wells Fargo at 1-800-431-5921.

0% Interest for 18 Months Promotion

• Credit Approval Required: Subject to credit approval by Synchrony Bank
• Deferred Interest: Interest will be charged to your Account from the purchase date if the promotional purchase is not paid in full within 18 months
• Minimum Monthly Payments: Minimum monthly payments required but may not pay off balance before end of promotional period
• Regular Account Terms: After promotional period expires, regular account terms apply
• Fixed Monthly Payments: Equal monthly payments required for the duration of the promo period until paid in full

Important Disclosures

Subject to credit approval. The Synchrony HOME Credit Card is issued by Synchrony Bank. See cardholder agreement for details, including APRs, fees and other costs and benefits. This product is classified as a closed-end consumer credit product and is subject to Regulation Z. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Fixed monthly payments are required equal to 2.00%, 2.50%, 3.70% or 5.55% of the initial amount financed until the promotional balance is paid in full. 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-promotional purchases. For new accounts: Purchase APR is 29.99%. Minimum interest charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

Credit Requirements

• Good to excellent credit typically required for promotional financing offers
• Alternative financing options may be available for different credit profiles
• Credit check will be performed as part of the application process
• Multiple applications may impact your credit score

Payment & Billing

• First payment typically due 30 days after purchase
• Automatic payment options available
• No prepayment penalties—pay off early without fees
• Late payments may result in fees and interest charges

Service & Installation

• Final project cost must meet minimum financing requirements
• Financing applies to installation labor and equipment
• Down payments may be required for certain purchases
• Project must be completed before financing is finalized

Additional Information

Terms, conditions, and promotional offers are subject to change without notice. Not all applicants will qualify for promotional financing offers. Bullet Proof Heating and Air is not a lender and does not extend credit. We work with Wells Fargo and Synchrony to provide financing options to our customers. All credit decisions are made by the respective financial institution. Contact us for current promotional offers and complete terms and conditions.

While specific credit score requirements vary by lender, promotional offers typically require good to excellent credit (generally 680+ credit score). However, both Wells Fargo and Synchrony offer multiple financing options for various credit profiles. If you don't qualify for promotional financing, alternative terms may still be available. The best way to know is to apply—credit checks are quick and won't impact your score significantly.

Most financing applications receive a credit decision within minutes. The application process itself takes only 5-10 minutes to complete. Once approved, we can often schedule your service within days, depending on your availability and the scope of work. For emergency repairs, we'll work with the lender to expedite the process and get you approved as quickly as possible.

Yes! Financing is available for emergency HVAC repairs. If your heating or cooling system fails unexpectedly, don't let cost concerns delay necessary repairs. We can help you apply for financing quickly, often receiving approval within minutes. This allows you to get your system repaired immediately and pay for it over time, rather than going without comfort while you save up for the repair cost.

If you don't qualify for 0% promotional offers, don't worry—you may still be approved for financing with competitive interest rates. Both Wells Fargo and Synchrony offer multiple financing tiers based on creditworthiness. We'll work with you to find the best available option that fits your budget. Additionally, we accept multiple payment methods and can discuss alternative solutions that work for your situation.

No, there are no hidden fees from Bullet Proof Heating and Air for using financing. The price you're quoted for your service is the same whether you pay cash or use financing. However, if you don't pay off promotional balances within the specified timeframe, deferred interest charges will apply per the terms of your financing agreement. There are no prepayment penalties—you can pay off your balance early at any time without additional fees. Be sure to review the specific terms and conditions of your financing offer for complete details.

Financing is primarily designed for larger purchases like system installations, major repairs, and equipment upgrades. However, if you're bundling multiple services or combining a maintenance plan with other work that meets the minimum purchase requirement, financing may be available. Contact us to discuss your specific needs, and we'll help determine if your project qualifies for financing options.

Once your financing is approved and your project is complete, you'll make monthly payments directly to Wells Fargo or Synchrony (whichever lender you chose). You can make payments online, by phone, by mail, or set up automatic payments from your checking account. Your financing agreement will include all payment details, including your monthly payment amount, due date, and account information. Both lenders offer mobile apps and online account management for convenient payment tracking.

Both Wells Fargo and Synchrony offer quality financing options, but with different promotional terms. Wells Fargo typically offers longer promotional periods (60 months) which may require a higher minimum purchase, while Synchrony offers shorter promotional periods (18 months) which may have lower minimum requirements. Your choice depends on your project cost and preferred payment timeline. Our team can help you understand which option is best for your situation, and you're welcome to apply to both to see which offers the better terms for your needs.