Financing
Make it a monthly number, not a wall.
A full system changeout doesn’t have to arrive as one lump sum. Financing can turn it into a predictable monthly payment — and we size that payment to your actual home, with real numbers, at your estimate.
Your real monthly number
set at your estimateWhat sets this number
- System size
- Tonnage & load calc
- SEER2
- Efficiency you pick
- Term
- The length you choose
- Approved credit
- Set by Synchrony
How it works
Three steps to a payment you picked
- 01
In-home estimate
A $75 in-home visit — a written quote with actual equipment names, good, better, and best options, no vague ranges.
$75 credited
toward your new system
- 02
Pick your payment
Current financing terms through Synchrony — plus a straight answer on any incentive that genuinely remains.
With approved credit
sized to your home
- 03
Install day
Load-calculated, permitted, inspected, and the old system hauled away — many changeouts finish in a single day.
Often 1 day
customers say so in reviews
What you own after
A financed system isn’t just a monthly number — it comes with extended manufacturer warranties up to 12 years (American Standard). You’re financing equipment that stays covered for years, not a stopgap repair.
About rebates in 2026
The federal 25C heat-pump credit ended for systems placed in service after December 2025. California’s single-family HEEHRA rebates are currently fully reserved statewide; other programs and future phases can change. We check the current path when we quote your job—we never sell a system on vapor discounts.
Program status checked July 15, 2026
Apply online
Rizzo offers financing through Synchrony
Apply in a few minutes, subject to credit approval — or just ask us at your estimate.
Apply with SynchronySubject to credit approval.
Financing questions, answered straight
No teaser math, no fine print — the same answers you'd get on the phone.
Does the $75 visit still count if I finance the install?
Yes. The $75 in-home visit is credited toward your new system when you move ahead — whether you finance it or pay outright. Financing doesn't change the credit.
Can I apply before the estimate?
Yes. You can apply online through Synchrony in a few minutes, subject to credit approval — or just ask us at your estimate and we'll walk you through it.
Why don't you post a monthly payment or interest rate on the site?
Because a real number depends on your home. We size the payment to your actual system at the estimate, at the real rate the day we quote it — no teaser figure on a banner, no asterisk buried in fine print.
Who is the financing actually through?
Synchrony — a real, established lender. Approval and terms come from them, subject to credit approval. We're the ones installing the system, not extending the credit.
What am I financing, exactly?
A full system with real coverage behind it — extended manufacturer warranties up to 12 years (American Standard). You're financing equipment that stays covered for years, not a stopgap repair.
Get real numbers, not a range.
Fast Honest Service · Southwest Riverside County & the Temecula Valley