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.

Promotion Options

Reduced APR with Fixed Payments promotional options are great choices if you are looking for a lower APR with predetermined payments to allow you to fit the purchase into your budget. Synchrony Bank offers your contractor two of these promotional financing options to best fit your needs.

  • Reduced 7.99% APR and fixed monthly payments equal to 1.25% of promo purchase amount – Until Paid in Full 1  (Plan 800)
    On purchases with your Synchrony Bank credit card. $29 account activation fee may apply. Estimated payoff period 115 months.
  • Reduced 5.99% APR and fixed monthly payments equal to 2.00% of promo purchase amount – Until Paid in Full 2  (Plan 801)
    On purchases with your Synchrony Bank credit card. $29 account activation fee may apply. Estimated payoff period 58 months.

The Equal Payment No Monthly Interest option is great choice if you are looking for no monthly interest and can support the monthly payments associated with this promotion.

  • No Monthly Interest for 25 Months and fixed monthly payments equal to 4.00% of promo purchase amount – Until Paid in Full 3 (Plan 802)
    On purchases with your Synchrony Bank credit card. $29 account activation fee may apply.

Save your cash by deferring interest during the promotional period. The Deferred Interest promotional option is a great choice if you will have funds to pay the balance in full by the end of the promotional period.

  • No Monthly Interest if Paid in Full Within24 Months (Deferred Interest) 4 (Plan 804)
    On purchases with your Synchrony Bank credit card. Monthly interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 24 months. $29 account activation fee may apply. Fixed monthly payments are required equal to 2.50% of the highest balance applicable to this promo purchase until paid in full.

 

Supporting Promotional Disclosures

1 Offer applies only to purchases made with your Synchrony Bank Credit Card. Monthly interest will be charged on promo purchases from the purchase date at a reduced 7.99% 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 Monthly Interest Charge is $2. Account Activation Fee is $29. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

2 Offer applies only to purchases made with your Synchrony Bank Credit Card. Monthly interest will be charged on promo purchases from the purchase date at a reduced 5.99% APR, and fixed monthly payments are required equal to 2.00% 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 Monthly Interest Charge is $2. Account Activation Fee is $29. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

3 Offer applies only to purchases made with your Synchrony Bank Credit Card. No monthly interest will be charged on promo purchase and fixed monthly payments are required equal to 4.00% 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 Monthly Interest Charge is $2. Account Activation Fee is $29. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

4 Offer applies only to purchases made with your Synchrony Bank Credit Card. No monthly interest will be charged on the promo purchase if you pay the promo purchase amount in full 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 promotional purchases, except that the fixed monthly payment will continue to be required until the promo purchase is paid in full. For new accounts: Purchase APR is 26.99%; Minimum Monthly Interest Charge is $2. Account Activation Fee is $29. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.