Financing
Considering financing for a new HVAC system? Understanding total replacement costs upfront helps you borrow the right amount from the start.
Peck Heating & Air Conditioning offers streamlined home HVAC financing to help Lincoln and Sacramento area homeowners get the heating and cooling systems they need. Our financing options feature competitive rates and flexible terms that work with your budget.
We also offer maintenance plans that protect your investment and keep your system running efficiently year-round. Whether you need a complete replacement or a new installation, our financing makes quality comfort affordable.
We provide financing and HVAC services throughout the greater Sacramento area, including:
Synchrony Home Design Credit Card
Get what you need now and pay over time with promotional financing through Synchrony Bank. With over 80 years of experience as the largest private label credit card provider in the U.S., Synchrony offers budget-friendly payment options that expand your purchasing power.
Benefits:
- Simple application with fast credit decisions
- Unsecured revolving credit line
- Available for future purchases
- Promotional financing options (subject to credit approval)
- Convenient monthly payments
- Online account management
The application is quick, secure, and private. Get a decision in minutes.
Call us at 916-409-0768 to apply!
GoodLeap Financing
Another flexible option for financing your HVAC upgrade. GoodLeap specializes in home improvement financing with competitive terms and a streamlined approval process.
Call us at 916-409-0768 to apply!
Why Finance Your HVAC System?
Modern, energy-efficient systems cost more upfront but save you money every month through lower utility bills. Financing lets you start saving immediately without waiting to accumulate the full purchase price. You’ll enjoy better comfort, improved air quality, and reduced energy costs while making affordable monthly payments.
Our team installs, maintains, and repairs all major HVAC brands. When you finance through one of our partners, you’re working with proven lenders who specialize in home improvement projects.
Ready to Get Started?
Contact us today to discuss which financing option works best for your situation. We’ll help you understand the total project cost, available incentives, and monthly payment scenarios so you can make an informed decision.
Your home’s comfort shouldn’t wait. Let’s find a financing solution that fits your budget.


