Financing & Rebates
Make home comfort affordable with flexible financing and available rebates. A new high-efficiency system pays for itself through lower energy bills, and we make it easy to get started.
Our Financing Plans
We partner with Synchrony to offer four financing plans on every brand we install. Pick the plan that fits your budget; your Treat's representative will walk you through the details. A one-time $29 activation fee applies to all plans.
Plan 924
0% APR1
if paid in full within 18 months
Monthly payment
2.5% of balance
Deferred interest. Our most popular plan when the balance can be paid in full inside the promotional window.
Plan 980
5.99% APR
fixed rate until paid in full
Monthly payment
3.0% of balance
Lowest fixed rate with the fastest payoff pace. A good fit if you're comfortable with a higher monthly payment.
Plan 971
7.99% APR
fixed rate until paid in full
Monthly payment
2.0% of balance
Balanced fixed rate with a moderate monthly payment. A common middle-ground pick.
Plan 943
9.99% APR
fixed rate until paid in full
Monthly payment
1.25% of balance
Lowest monthly payment when you need more breathing room in the budget.
1Plan 924 is a deferred interest promotion. If the purchase balance is not paid in full within 18 months, interest will be charged from the original purchase date at the regular APR. Making only the minimum monthly payments will not pay off the balance within the promotional period.
Who qualifies
- Residential properties only. Commercial properties do not qualify.
- Manufactured or mobile home owners must own the land the home sits on. Homes in mobile home parks do not qualify.
- The applicant must own the home where the equipment is installed.
You are applying for a credit card that accesses a revolving line of credit. As part of the application process, Synchrony Bank will obtain your credit report. This will result in a hard credit inquiry, which will appear on your credit report and may affect your credit score.
Subject to credit approval. Financing provided by Synchrony Bank. Minimum monthly payments required. Terms and conditions apply. See your credit card agreement for details. This information is accurate as of the date of publication and is subject to change. For current terms, visit your account at mysynchrony.com or contact Synchrony Bank directly.
How Financing Works
Getting started is simple. Here's what to expect.
Get Your Estimate
Contact us for a free estimate. Your Treat's representative will help you choose the right system and financing plan for your budget.
Apply Online
Click the link below to complete the Synchrony credit application. A few important notes:
- Click "Apply Now". Do not click "See If I Qualify".
- You'll see a 28.99% APR displayed during the application. That is not your plan. Your Treat's representative will enroll you in one of our promotional plans above.
- Enter the full amount you want to finance. If you skip this field, Synchrony will choose an amount that may not cover your project.
Get Approved
Receive a credit decision quickly. Once approved, your Treat's representative will activate your chosen plan.
Enjoy Comfort Now, Pay Over Time
Your new system is installed and you make convenient monthly payments at the rate you chose.
Save Even More with Rebates & Tax Credits
In addition to financing, you may qualify for rebates from your utility provider and federal tax credits that can significantly reduce your out-of-pocket cost.
Puget Sound Energy (PSE)
PSE offers rebates for qualifying high-efficiency heat pumps, ductless systems, and insulation upgrades. Rebates can range from several hundred to over $2,000 depending on equipment.
Learn moreTacoma Power
Tacoma Power provides rebates for energy-efficient heating and cooling equipment, including ductless heat pumps and high-efficiency furnaces for customers in their service territory.
Learn morePeninsula Light
Peninsula Light Co. offers residential energy efficiency rebates for heat pumps, ductless systems, and other qualifying HVAC equipment in the Gig Harbor area.
Learn moreFederal Tax Credits (IRA)
The Inflation Reduction Act provides tax credits of up to $2,000 for qualifying heat pumps and up to $600 for high-efficiency furnaces and central AC. These credits apply to equipment installed through 2032.
Learn moreRebate availability and amounts are subject to change. Our team can help you identify which programs you qualify for and assist with the application process.
Is It Time to Upgrade?
A new high-efficiency HVAC system is an investment that pays for itself. Here's why homeowners across Western Washington are upgrading.
Lower Energy Bills
Modern high-efficiency systems can reduce your heating and cooling costs by 20-40% compared to aging equipment.
Improved Home Comfort
Newer systems provide more consistent temperatures, better humidity control, and quieter operation throughout your home.
Fewer Repairs
Stop spending money on repeated fixes. A new system comes with manufacturer warranties and years of trouble-free operation.
Ready to Explore Your Options?
Get a free, no-obligation estimate that includes financing options and available rebates. Our team will help you find the right solution for your home and budget.