Purchasing a new heating and cooling system is a big investment –
Finance with a Synchrony Home Design Credit Card

on approved credit

APPLY NOW!


Disclaimer: By clicking “Apply Now” above, you will be directed to Synchrony Financial’s website to apply for a Home Design credit card directly through Synchrony. Your application, application status, and private information will not be shared with Joel Smith Heating & A/C Inc. If you are approved, please contact us at 763-792-1066 before using your new Home Design credit card. Credit is for equipment installation only; it cannot be used for repair work.

The Power of Choice

Select the promotion that best suits your needs.

 

Plan # Description Monthly Payment Factor Est. # Payments
920 No Monthly Interest if Paid in Full within 6 months 1 2.50% 104
930 25 Months No Monthly Interest Until Paid in Full 2 4.00% 25
943 9.99% APR Until Paid in Full 3 1.25% 132
925 No Monthly Interest If Paid in Full within 24 months 4 2.50% 104

 

Promotion Details

Plan 920: This is a great option for any small repairs that may have come up unexpectedly

Payment : Fixed monthly payments are equal to 2.50% of the promo purchase amount until paid in full 1

PLEASE NOTE:  If the amount to be financed is not paid in full within the promo period, interest will be charged to your account from the purchase date.

 

Plan 930: This is a great choice if you are looking for no monthly interest, and can support the monthly payments associated with this promotion

Payment : Fixed monthly payments equal to 4.00% of the promo purchase amount until paid in full 2

 

Plan 943: This is a nice alternative to a high interest credit card, and carries the lowest monthly payment factor

Payment : Fixed monthly payments equal to 1.25% of the promo purchase amount until paid in full 3

 

Plan 925: This plan offers deferred interest, with a lower monthly payment compared to Plan 930

Payment : Fixed monthly payments are equal to 2.50% of the promo purchase price until paid in full 4

PLEASE NOTE: If the amount to be financed is not paid in full within the promo period, interest will be charged to your account from the purchase date.

 

Payment Estimator

Interested in seeing how the plans compare?  Email a request to our office, and we’d be happy to send you back a Payment Estimator from Synchrony Bank.

 

 

Supporting Promotional Disclosures

On purchases with your Synchrony Bank Credit Card. $29 Activation fee may apply. Monthly interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 months. Fixed monthly payments of 2.50% of the highest balance applicable to the promo purchase until paid in full. Making the Minimum Monthly Payment will not pay off the purchase within the promotional period.

*No monthly interest will be charged on the promo purchase if you pay the promo purchase amount in full within 6 Months, if you do not, monthly interest will be charged on the promo purchase from the purchase date. Fixed monthly payments are required equal to 2.50% of the highest balance applicable to this promo purchase until 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. Depending on purchase amount, promotion length and payment allocation, the required minimum monthly payments may or may not pay off purchase by end of promotional period. Regular account terms apply to non-promotional purchases and, after promotion ends, to this promotional purchase, except that the fixed monthly payment will continue to be required until the promotion is paid in full. For new accounts: Purchase APR is 26.99%; Minimum Interest Charge is $2. One-time Account Activation Fee of $29 charged at time first purchase posts to account. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

On qualifying purchases with your Synchrony Bank credit card. $29 account activation fee may apply. Fixed monthly payments equal to 4.00% of promo purchase amount until paid in full.

*No monthly interest will be charged on promo purchase and fixed monthly payments are required equal to initial promo purchase amount divided by the number of months in promo period until promo 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 26.99%; Minimum Interest Charge is $2. One-time Account Activation Fee of $29 charged at time first purchase posts to account. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval

On qualifying purchases with your Synchrony Bank credit card. $29 account activation fee may apply. Fixed monthly payments equal to 1.25% of promo purchase amount until paid in full.

*Interest will be charged on promo purchase from the purchase date at a reduced 9.99% APR and fixed monthly payments are required equal to 1.25% of initial promo purchase amount until promo 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 26.99%; Minimum Interest Charge is $2. One-time Account Activation Fee of $29 charged at time first purchase posts to account. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval

On qualifying purchases with your Synchrony Bank Credit Card. $29 Activation fee may apply. Monthly interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 24 months. Fixed monthly payments of 2.50% of the highest balance applicable to the promo purchase until paid in full. Making the Minimum Monthly Payment will not pay off the purchase within the promotional period.

*No monthly interest will be charged on the promo purchase if you pay the promo purchase amount in full within 24 Months, if you do not, monthly interest will be charged on the promo purchase from the purchase date. Fixed monthly payments are required equal to 2.50% of the highest balance applicable to this promo purchase until 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. Depending on purchase amount, promotion length and payment allocation, the required minimum monthly payments may or may not pay off purchase by end of promotional period. Regular account terms apply to non-promotional purchases and, after promotion ends, to this promotional purchase, except that the fixed monthly payment will continue to be required until the promotion is paid in full. For new accounts: Purchase APR is 26.99%; Minimum Interest Charge is $2. One-time Account Activation Fee of $29 charged at time first purchase posts to account. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.