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Comfort Now. Payments That Fit.
A failed furnace or a flooded water heater shouldn’t wreck your month. We partner with three of the biggest names in home-improvement lending so the right fix fits your budget.
Three Ways To Say Yes
Every project gets matched to the program that fits it best — our comfort advisor walks you through current options right at your kitchen table.
Synchrony
One of the nation’s largest consumer financing banks. Promotional financing options for home improvement projects, managed through a simple application and a dedicated card program.
Service Finance
A leading home-improvement lender offering promotional payment plans through licensed contractors — fast application, fast decisions, built for HVAC and plumbing projects.
GoodLeap
A modern point-of-sale financing platform for home upgrades. Clean digital application, quick decisions, and payment plans designed around energy-smart improvements.
How Financing Works
Get Your Quote
Upfront pricing first. Then we show you what the same project looks like as a monthly payment.
Apply In Minutes
A short digital application with one of our lending partners — decisions typically come back fast.
We Get To Work
Approved means scheduled. Your project moves exactly as fast as any other job we do.
Financing Questions, Answered
What can be financed?
Most bigger-ticket work: new heating and cooling systems, boilers, water heaters, Kinetico water systems, sewer repairs, and major plumbing projects. Ask about smaller jobs too — programs vary.
How fast is the application?
Minutes, not days. Applications are digital and decisions typically come back fast — often while our comfort advisor is still at your kitchen table.
Does financing slow down my project?
No. Once approved, we schedule your work exactly as if you were paying any other way.
Who actually provides the loan?
Our lending partners — Synchrony, Service Finance, and GoodLeap. 3Degrees is not a lender; all financing is subject to credit approval by the lender, and available programs, rates, and terms vary.