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Financing

HVAC and Plumbing System Service Financing

For financing, choose a term and select "Apply Now"
Financing Options from GreenSky
Finance Your Project
Plan 9992
Plan 2832
Plan 2613
*Subject to credit approval. These examples are estimates only. Actual payment amounts based on amount and timing of purchases. Call 866-936-0602 for financing costs and terms. Loans for the GreenSky® consumer loan program are provided by Synovus Bank, Member FDIC, NMLS #408043, without regard to age, race, color, religion, national origin, gender, disability, or familial status. GreenSky Servicing, LLC services the loans on behalf of your lender, NMLS #1416362. www.nmlsconsumeraccess.org. GreenSky® is a registered trademark of GreenSky, LLC and is licensed to banks and other financial institutions for their use in connection with that consumer loan program. GreenSky Servicing, LLC is a financial technology company that manages the GreenSky® consumer loan program by providing origination and servicing support to banks and other financial institutions that make or hold program loans. GreenSky, LLC and GreenSky Servicing, LLC are not lenders. All credit decisions and loan terms are determined by program lenders.

HVAC & Plumbing Financing Options

At Sunny Service, our mission is simple: Creating Customers for Life by Enhancing Their Lives. That means making it easier to take care of your home, reduce stress, and keep things running smoothly.

Heating, cooling, and plumbing systems play a big role in daily comfort and peace of mind. Financing gives homeowners the ability to move forward with needed service or upgrades without unnecessary delay, helping keep life at home comfortable and uninterrupted.

Sunny Service offers financing options with approved credit to support HVAC and plumbing projects in a way that’s practical and manageable.

Financing Designed Around Your Home — and Your Life

Financing helps you take care of essential home systems while spreading costs into predictable monthly payments. It’s a smart option for larger repairs, system replacements, and long-term improvements.

By applying through our trusted third-party financing partner, Upgrade, you can choose a financing term and complete your application online.

Financing may be used for Sunny Service offerings including:

  • Heating and air conditioning repairs and system replacements
  • Plumbing repairs, replacements, and installations
  • Home comfort, reliability, and efficiency improvements

All financing is subject to credit approval. Available terms may vary.

To get started, complete your application through Upgrade.

Apply for Financing


Loans are subject to credit approval. Home Improvement Loans offered through Upgrade are made by Cross River Bank, Member FDIC, Equal Housing Lender. Upgrade, Inc. (NMLS #1548935) holds the following state licenses. These loan terms are not guaranteed and are subject to our verification and review process. Applicants may be asked to provide additional documents to enable us to verify their income and their identity. For loans that charge interest, this rate includes an Autopay APR reduction of 0.5%. By enrolling in Autopay, borrowers' payments will be automatically deducted from their bank account. Selecting Autopay is optional. If you are eligible for credit union membership, you may be required to join a credit union to receive the APR shown. Subsequent charges and fees may increase the cost of the loan. There is no fee or penalty for repaying a loan early. For more information, applicants should refer to the applicable Borrower Agreement and TILA Disclosure. Loans may be disbursed in one or more advances. These loan terms are estimates based on the assumption that the loan is disbursed in a single advance upon execution of the Borrower Agreement. Actual loan terms may vary depending on, among other things, the exact number of advances, the amount of each advance, and the date on which each advance will occur.