Home/Financing
Flexible payment options

Comfort now. A payment plan that fits.

Explore financing options for eligible heating, cooling and water-heating projects, then choose the path that works best for your needs.

Explore financing optionsRequest an estimate
Two ways to apply

Choose your financing option.

Review the highlights below, then apply through the provider or download the application. PennTech can help answer project questions before you begin.

Online application

Synchrony Financing

Apply online and receive a quick credit decision for eligible PennTech projects.

  • Quick credit decisions
  • Plan 920: 6 months of deferred interest if paid in full*
  • Plan 951: Special 7.99% APR until paid in full*
  • No early payoff penalties
Apply with Synchrony
Downloadable application

Spire Energy Financing

Finance qualifying HVAC and hot-water equipment through Spire’s financing program.

  • Finance HVAC and hot-water equipment for up to 7 years
  • 7.75% interest rate for 2026*
  • Online bill payment and tracking through My Account
  • No early payoff penalties
Download Spire application
What to expect

A straightforward path from estimate to comfort.

  1. 01

    Request an estimate

    Tell PennTech about your equipment and comfort needs.

  2. 02

    Review your options

    Compare the available provider plans and disclosures.

  3. 03

    Apply with the provider

    Submit your information for the provider’s credit decision.

  4. 04

    Schedule your project

    Once approved, coordinate the next steps with PennTech.

Questions before applying?

Start with the right project scope.

Financing makes more sense when you know what the work may involve.

Schedule an evaluation with PennTech for a property-specific recommendation, or use our preliminary residential estimate to get oriented before you speak with the team.

Schedule serviceGet a preliminary estimateOr call (816) 427-5007