HVAC & Electrical Financing
Clear options. Honest explanations. No surprises.
At Three Guys Master Tradesmen, we believe financing should make moving forward easier — not more confusing.
When it comes to HVAC and electrical work, delaying a decision often costs more in the long run. That’s why we offer multiple, clearly explained financing and leasing options, backed by established financial institutions, so you can choose what fits your situation best.
Because of our dealer status and manufacturer partnerships, we’re able to offer financing structures that many contractors simply cannot.
Financing & Leasing Options We Offer
Synchrony Promotional Financing
Primary financing option for most homeowners
Synchrony is our main financing partner for HVAC and electrical repairs, upgrades, and system installations.
Platinum LG Dealer Advantage
Because we are Platinum LG Dealers, LG and Synchrony have a partnership that allows qualified customers to finance LG systems through Synchrony at the same price as our cash-discount pricing.
That means:
- You don’t pay a higher “financed price” just because you choose financing
- You get the same value whether you pay cash or finance
- Financing becomes a tool for flexibility — not a penalty
This is a real advantage that not every contractor can offer.
What Synchrony Offers
Depending on approval and promotion availability, Synchrony may offer:
- Promotional financing such as no interest if paid in full within a set period (for example, 18 months)
- Longer-term installment options with fixed APRs, including extended repayment terms
Important Things to Understand
- Minimum monthly payments are always required
- Promotional financing means interest may be waived only if the balance is paid in full by the end of the promotional period
- All approvals, billing, statements, and payments are handled directly by Synchrony
We take time to explain these details before anything is signed — no fine-print surprises.
Wells Fargo Home Projects® Financing
Longer-term financing for larger system installations
Because we are an Elite Dealer with ICP / Comfortmaker, we can offer financing through Wells Fargo’s Home Projects® program.
This option is typically best for:
- Full HVAC system replacements
- Larger home improvement projects
- Homeowners who want longer repayment terms with predictable monthly payments
Key points:
- Financing terms and eligibility are determined by Wells Fargo
- Designed for larger projects rather than small repairs
- Fixed payment structures over extended terms
This gives customers another strong option when they prefer longer-term planning.
Microf Lease-to-Own Program
Alternative option when traditional financing isn’t approved
Microf is a lease-to-own program, not traditional credit-based financing.
This option is typically used when:
- Traditional financing options are not approved
- A homeowner still needs a new HVAC system installed
- Leasing with eventual ownership is the most practical path
Important distinctions:
- Approval is not based solely on traditional credit scoring
- Applies only to new system installations, not repairs
- Ownership transfers once lease obligations are completed
Microf is not a replacement for financing — it’s an alternative path when financing isn’t available.
Why We Offer Multiple Options
Every homeowner’s situation is different.
Offering multiple financing and leasing options allows us to:
- Match the right program to the right situation
- Avoid pushing customers into one solution
- Provide fallback options when needed
Our role is to explain and guide, not pressure.
Common Questions (Straight Answers)
Do I still have payments during promotional financing?
Yes. Three Guys Master Tradesmen provides HVAC and electrical services under one roof, allowing for better coordination, efficiency, and long-term system performance.
When is my first payment due?
Payment timing depends on the lender and program. Your approval documents will clearly state your first due date.
Can I pay more than the minimum or pay it off early?
In most cases, yes. Paying more can help avoid interest. Always review your lender’s agreement for specifics.
Who handles billing and payments?
All billing, statements, and payments are handled directly by the lender (Synchrony, Wells Fargo, or Microf).
We remain available to help explain documents and next steps.
Is financing required?
No. Financing is optional. It’s simply one way to move forward comfortably.
Our Commitment to Transparency
We don’t use financing to inflate prices or hide costs.
Because of our manufacturer and lender partnerships:
Financing does not mean paying more for the same system
Terms are explained before you commit
You always know exactly what you’re signing
- Our goal is simple: help you get the system you need, in a way that works for you.
Ready to Explore Your Options?
If you’re considering financing for HVAC or electrical work, we’ll walk you through:
Comfort shouldn’t wait — and it shouldn’t come with confusion.