Carnes & Sons · San Antonio
AC & heating financing from $98/month
On approved credit. We work with two lenders so more families can get approved with a payment that fits. Text us a question first — no pressure.
Financing your AC replacement
Start with a clear installed quote for your home. We explain the equipment and work included before matching the purchase to a lender’s payment options. You can ask questions by text or phone before applying.
Once you know your options, review the lender’s rate, term, monthly payment and total purchase cost. Credit requirements and any effect on your credit depend on the lender and application—not a blanket promise from us.
Pick the lender that fits you
Payments start around $98/month on approved credit. Your rate and term depend on the lender and your credit — we'll help you pick.
Best for strong credit & promo plans
- Promotional plans for qualified buyers
- Fast online decision, usually in minutes
- No prepayment penalty — pay it off any time
- Manage your account online with Synchrony
Best when credit is bruised or thin
- Looks at more than just your credit score
- A second look if you were turned down elsewhere
- Simple application, fast decisions
- No prepayment penalty
Financing is subject to credit approval. Rate, term, and payment depend on the lender and the plan you're approved for. *About the Synchrony application: it's for pre-approval. The form shows Synchrony's standard card rate — once you're approved, we place your purchase on a promotional plan you qualify for. Questions? Just text or call.