FINANCING

HVAC Financing in Seattle, WA

Spread the cost of a new system, with the price in writing before you commit.

// WHAT THIS COVERS

How paying over time works here

You can finance a heat pump, furnace, air conditioner or water heater through Synchrony. There are two products: 0% over 18 months, and a longer term at a lower monthly payment. Both are on approved credit, and both are Synchrony’s decision rather than ours.

What does not change is the order things happen in. You get a free written quote first. We work out what your utility and the federal credit pay toward it. Only then does financing come up, and only for whatever is left.

// THE ORDER THIS HAPPENS IN

The price comes before the paperwork

Nobody should be filling in a credit application before they know what the job costs. We quote the system, in writing, free, with no application and no credit check. If paying outright is the better move for you, we will say so.

Rebates come off before financing does. Utility and federal money is worth more than any discount we could offer, and it changes what you actually need to borrow.

// THE NUMBERS

What the financing actually is

Two products, one lender, and an estimate that costs nothing.

Interest over 18 months, on approved credit

Synchrony

The lender. Approval is their decision, not ours

What the written estimate costs, every time

Rebates first

Utility and federal money comes off before you finance the rest

// HOW WE WORK

What happens, in order

Four steps, and the first two cost you nothing.

You get the quote first

Free, written, one system priced properly. No application, no credit check, nothing to sign.

We work out your rebates

Utility and federal money comes off the top, because it reduces what you finance.

Then you decide about financing

0% over 18 months, or a longer term at a lower monthly payment. If paying outright suits you better we will tell you.

We install it and pull the permits

Our own crew. Permits filed and passed, warranty registered.

// WORTH KNOWING

Before you apply

The estimate is free and comes first, with no credit check
0% over 18 months is on approved credit
The longer term rate is confirmed in writing before you apply
Financing does not change the price of the job
Rebates are worked out before financing, not after
Synchrony decides approval, and we never see your credit file

// WHAT CUSTOMERS SAY

5.0 on Google, and every one is verified

These come straight from our Google Business Profile. We do not write them and we cannot edit them.

Fita kareta

October 2026

★★★★★

I’m a house flipper and have used Ready Energy more than five times. They have been amazing every single time! Their quality of work and speed are excellent, and their pricing is very competitive. They have a well-equipped, friendly, professional, and energetic team that gets the job done right. I highly recommend Ready Energy to anyone looking for heat pump or AC installation or service. I’ll definitely continue using them for my future projects!

Ready Energy Solutions replied: Fita, more than five projects together and still counting. On a flip, speed matters as much as quality, and we work hard to give you both. The crew will love reading this. See you on the next house.

Jon Grandon

September 2026

★★★★★

Had a tankless water heater installed and I was very impressed with the service and professionalism. I will definitely use Ready Energy Solutions in the future should the need arise. Alex went the extra mile for me and prices were quite reasonable.

Ready Energy Solutions replied: Jon, thanks for choosing us for your tankless water heater installation. Going the extra mile is how we try to treat every customer, so it's great to hear it showed. We'll be here the next time you need us.

Colin Kerber

September 2026

★★★★★

Our water heater was leaking and I expected that it needed to be replaced. I searched the internet for reputable water heater repair service companies. Many results came up and I started calling a couple of the big name providers for quotes. I was a bit sticker shocked as I did not expect that costs would be over $2k so I continued my search for other companies without the big advertised name. I narrowed results to companies who are out of Auburn which is closer to my area in Lakeland Hills. Came across Ready Energy Solutions since it had 5 star reviews. I read many of the reviews and decided to call. Alex politely answered and we discussed the issue and he gave me an estimated quote over the phone. To my surprise it was better than the quotes I received from the others. In agreement, Alex scheduled me for the next day. His service tech came on time and immediately started the work. Alex kept me updated by text and also showed up to work with his tech and complete the job. He provided me with information on the new water heater and answered all my questions. He even registered the new water heater for warranty with the manufacturer on my behalf. Alex and his team were very respectful, responsive, and professional. They definitely deserve 5 stars for their work and more than fair cost of services. I want to add that my furnace fan came on to include my bathtoom fan and would not shut off unless I turned off the electrical breaker that powers the bathroom fan and lights. For a couple days I tried to figure it out without success. Since it coincidentally happened during the water heater replacement, and knowing that Ready Energy Solutions was primarily advertised as a heating and cooling company, I of course, contacted Alex. He wanted to come by first thing in the morning but worked with me to schedule at my convenience. When he arrived, he not only found the issue immediately but fixed it in minutes. I am so impressed with Alex and his company and plan to only use them moving forward for all my water heater, and HVAC needs. I will be sure to recommend Ready Energy Solutions. Thank you Alex for an excellent 5 star service experience!

Ready Energy Solutions replied: Colin, thanks for writing all this out. A leaking water heater is stressful, and we're happy we could get the new one in the next day and register the warranty for you. Sorry you had to fight with that furnace fan for a couple of days. Glad it was a quick fix once we got there. We'll gladly take care of your water heater and HVAC in Lakeland Hills from here on. Alex

Yonas Tekie

September 2026

★★★★★

5/5 Stars — Absolutely fantastic service! Alex came out to fix our heater, and we couldn't be more impressed with his work. He arrived right on time, diagnosed the issue quickly, and had everything back up and running smoothly in no time. Alex was extremely professional, knowledgeable, and polite throughout the whole process. He took the time to explain what went wrong and gave us great advice on how to keep the system running efficiently. Honest, skilled, and reliable technicians like Alex are hard to come by—we’ll definitely be calling him for any future heating or cooling needs and highly recommend him to anyone looking for top-notch service!

Ready Energy Solutions replied: Glad we got your heater running again so fast, Yonas. It's always worth a few minutes to explain what went wrong, so you know what to watch for next time. We'll be here whenever you need heating or cooling help. Alex

vinnie tran

August 2026

★★★★★

I would highly recommend hiring Alex and his team! Alex helped repair my AC unit. He also noticed that the filter had been installed incorrectly, so I hired him to correct that as well. As someone who doesn't know anything about HVAC systems, I had a lot of basic questions and appreciated how honest and patient Alex was in answering all my question and explaining/reexplaining things to me. He was responsive and kept me in the loop. He also got the job done quickly and prices were fair.

Ready Energy Solutions replied: Vinnie, there's no such thing as a basic question about your AC. I'd rather explain something twice than leave you guessing. Glad the AC repair went smoothly and that we could fix the filter while we were there. Alex

Rick Battershell

July 2026

★★★★★

Professional and Fair Price-We recently used Ready Energy Solutions for a mini-split heat pump installation, and they did a wonderful job. The team arrived right on time as scheduled and was incredibly professional throughout the day. They took the time to answer all of our questions (and I had many before) about how the new system operates. On top of the great service, their pricing was very fair compared to other quotes we looked at. Five stars!

Ready Energy Solutions replied: Rick, thanks for choosing us for your mini-split heat pump installation. You asked all the right questions before the new system went in. Hope it keeps the house comfortable all year. Alex

// KEEP READING

Where would you like to go next?

Washington rebates

What your utility and the federal credit pay toward a new system.

Heat pumps

The system most of the rebate money is pointed at right now.

Questions and answers

Cost, rebates, timing, warranties and what happens on install day.

Contact us

Call, text or send a message and we will get back to you.

// BEFORE YOU APPLY

Questions about financing

What financing do you offer?

Through Synchrony. A 0% option over 18 months, and a longer term at a lower monthly payment. Both are on approved credit.

What is the rate on the longer term?

Call and we will give you the current rate in writing before you apply. It moves, and a number on a web page that is three months old is worse than no number.

Does financing change the price of the job?

No. The quote is the quote.

Do I have to apply to get a quote?

No. The estimate is free and comes first, with no credit check.

Should I use rebate money first?

Usually yes. Utility and federal money reduces what you finance, so we work that out before anything else.

Who decides if I am approved?

Synchrony, not us. We do not see your credit file.

// GET STARTED

Heating and cooling for homes across Greater Seattle

Heat pumps, furnaces, air conditioning and water heaters. The estimate is free, calls are answered 24 hours, and we work out your rebates before you commit to anything.