No Interest if Paid in Full within 18 Months* with the Synchrony Project Card.
Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 18 months. $29 account activation fee will apply. Fixed monthly payments required equal to 2.5% of the highest balance applicable to this promo purchase. Subject to credit approval. For U.S. homeowners. See full terms below.*
Yes — you can apply with an ITIN
Most HVAC companies along the Front Range only run financing through lenders that require a Social Security number, which shuts out a lot of hardworking homeowners who pay taxes with an Individual Taxpayer Identification Number. We think that's wrong. At 360 Total Home, financing applications are accepted with either an ITIN or an SSN, so a taxpayer ID is not the reason your family goes without heat in January or cooling in July.
What financing covers
- Air conditioning installation and AC replacement
- Furnace installation and furnace replacement
- Heat pump systems — where Xcel rebates can lower the amount you finance in the first place
How it works
- 1. Get your quote. One written number for equipment, labor, and haul-away — before any work starts.
- 2. Apply in minutes. We walk you through a short financing application using your ITIN or SSN. Applying to see your options doesn't commit you to anything.
- 3. Pick a plan that fits. Monthly payment options are laid out clearly — amount, term, and total — so there are no surprises.
- 4. We install. Same or next-day in most cases, financed or not.
Straight talk: our primary financing partner is Synchrony Bank through the Synchrony Project Card, and promotional offers are subject to credit approval. Synchrony's standard application uses a Social Security number; for ITIN applicants we work with alternative financing options — tell us which applies when you call and we'll route you to the right application. Either way, you see your real terms in writing before you decide. Se habla español.
Manage your account
Once approved, Synchrony Project Card accounts are managed directly with Synchrony Bank — online at MySynchrony.com or by phone at 1-866-396-8254.
Stack financing with rebates
If your project is a qualifying heat pump, the smart order is: rebate first, financing second. As an Xcel-registered contractor we confirm your rebate eligibility and file the paperwork, which shrinks the project cost — and then financing covers the remainder in manageable monthly payments. One call to (720) 737-1196 and we'll price both together.
*No Interest if Paid in Full within 18 Months with the Synchrony Project Card at participating contractors. Qualifying purchase amount must be on one receipt. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. Fixed monthly payments are required equal to 2.5% of the highest balance applicable to this promo purchase during the promotional period. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period. Regular account terms apply to non-promo purchases and, after the promo period ends, to promotional purchases. $29 account activation fee will apply. Standard Purchase APR and minimum interest charge are set by Synchrony Bank and provided in your credit card agreement; ask us or see your application disclosures for current rates. Subject to credit approval. Credit is extended by Synchrony Bank.