Primary financing option
Start with Synchrony for special financing options on approved credit.
Comfort now. Pay over time.
Start with Synchrony, our primary financing option for eligible HVAC projects. Special financing options are available on approved credit.
Our primary offer
Apply first with Synchrony.
Synchrony offers special financing options on approved credit for eligible Home Performance Pros projects. Review the current offer and complete terms directly in Synchrony's secure application.
Apply with SynchronyFinancing is subject to credit approval. Rates, promotions, and terms are determined by Synchrony and may change.
Online application
Use the secure Synchrony application from your phone or computer.
For eligible HVAC projects
Ask Home Performance Pros which repairs or replacement projects may qualify.
Alternative financing path
Need another option? Explore SELF.
If Synchrony is not the right fit, SustainEnergyFinance powered by SELF offers an alternative for eligible home improvements. SELF reviews ability to repay and requires additional eligibility information and documentation.
SELF highlights service for low-income households, seniors, veterans, people with disabilities, women-led households, and other homeowners seeking sustainable improvements.
Explore SELF FinancingNo minimum credit score
SELF evaluates your ability to repay instead of relying on a minimum credit-score cutoff.
Unsecured financing
The loan is not secured by your home, so your home is not used as collateral.
Soft credit pull
Checking your options uses a soft credit pull, so your score is not impacted if you do not move forward with a loan.
Fixed terms
SELF offers fixed loan terms for eligible home upgrades and repairs, giving you a defined repayment path.
No set income limits
SELF publishes no minimum or maximum income limit, though applicants must provide proof of income and demonstrate an ability to repay.
No home-equity minimum
The published program does not require a minimum level of assets or home equity.
Published SELF fees
Know the published costs before applying.
Fees depend on the improvement type. Confirm current fees, rates, and full loan terms directly with SELF before accepting financing.
- Origination fee
- 2.5%
- Military discount fee
- 1.25%
- Project management
- 2.75–2.99%
Before you apply
SELF eligibility criteria.
Review these lender-provided requirements before opening the application. Meeting them does not guarantee approval.
- The applicant must be the homeowner.
- Property taxes must be current.
- Mortgages, auto loans, installment loans, and revolving credit accounts must be current.
- The applicant must be able to provide proof of income.
- There can be no bankruptcy discharged within the last two years.
How it works
Three steps to get started.
Start the application
Open the secure Home Performance Pros application and provide your contact information.
SELF reviews eligibility
SELF reviews the program criteria and your ability to repay, then guides you through any required documentation.
Plan your HVAC project
If approved, use the financing decision to move forward with an eligible Home Performance Pros upgrade or repair.
Financing FAQ
Straight answers about
your financing options.
Still wondering about something? Talk to a real Utah tech — no call centers, no pressure.
(385) 503-7767Synchrony is the primary financing option offered by Home Performance Pros. If Synchrony is not the right fit, SELF may provide another path for eligible home improvements.
Our primary financing offer
Start with Synchrony.
Financing is provided by third-party lenders Synchrony and SustainEnergyFinance powered by SELF. Approval, project eligibility, terms, rates, promotions, and fees are determined by the applicable lender and may change. Home Performance Pros does not make lending decisions.