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Financing Options · Charlotte

Comfort you can pay for monthly.

Unexpected HVAC repairs and system replacements rarely happen at a convenient time. We offer flexible financing for repairs, replacements and system upgrades — predictable monthly payments and a simple approval process.

  • MinutesMost applications are completed online, often with a decision in minutes.
  • Free in-homeConsultation, with a Manual J load calculation and a written quote.
  • In writingFlat-rate price before a wrench turns.
  • Up to $8,000Energy Saver NC rebates may combine with financing.
Book the in-home consultationCall (980) 385-7599

Whether your system failed unexpectedly or you're planning ahead for a more efficient upgrade, financing can help you move forward with confidence.

For repairs, replacements, and upgrades.

Our financing partner offers solutions designed to fit a variety of budgets and situations, with options that may include:

  • Low monthly payments
  • Promotional financing offers
  • Deferred interest programs
  • Long-term financing options
  • Fast approvals
  • Simple online applications

Many homeowners use financing to upgrade to quieter, more efficient systems with better comfort, improved air quality, and lower utility costs.

Flexibility when comfort matters most.

Financing gives homeowners flexibility during one of the most stressful moments a home can experience: losing heating or cooling when you need it most. Financing can help you:

  • Replace a failing system immediately
  • Avoid large upfront expenses
  • Upgrade to higher-efficiency equipment
  • Improve indoor comfort and air quality
  • Preserve emergency savings
  • Spread payments into manageable monthly costs

Instead of rushing into the quickest or cheapest solution, financing gives you the ability to choose what's best for your home long term.

GreenSky financing. Flexible payment options for larger home comfort projects.

GreenSky is one of the most widely used HVAC financing platforms in the country because it balances three things homeowners care about most: fast approvals, flexible payment structures, and manageable monthly payments.

Available payment options

  • Promotional financing
  • Deferred interest plans
  • Fixed-rate options
  • Long-term financing

How it feels in practice

  • Online approvals
  • Predictable monthly payments
  • Lower monthly payment possibilities
  • Preserves your savings during breakdowns

Loan terms, rates, and approval are determined by the financing partner. Tru72 does not extend credit or set loan terms.

Apply with GreenSky

Compare the full repayment picture.

Some promotional financing programs may include deferred interest terms.

Check whether the offer is true 0% financing or deferred interest, when the promotional period expires, what the total repayment comes to rather than just the monthly payment, and whether paying early changes the cost structure.

What it means: Deferred interest is not the same thing as 0%. Our team is always happy to walk through the options clearly before any work begins.

Not sure which fits? That's completely normal.

And you don't have to figure it out alone. Our team can help walk you through GreenSky's available options, explain payment structures clearly, and help you compare solutions based on your monthly payment goals, the financing term length, promotional offers, the system type and project size, and your approval preferences.

Book the in-home consultationCall (980) 385-7599

Financing, plain answers.

We believe financing should feel clear, helpful, and pressure-free. Not confusing or overwhelming.

How fast is a decision?

Most financing applications can be completed quickly online, often with decisions available within minutes. Most install customers are pre-approved before the install date.

Is promotional financing the same as 0%?

Not always. Some promotional financing programs may include deferred interest terms. Before you sign, check whether the offer is true 0% financing or deferred interest, when the promotional period expires, the total repayment rather than just the monthly payment, and whether paying early changes the cost structure. Our team is always happy to walk through the options clearly before any work begins.

Who sets the rate and decides the approval?

Loan terms, rates, and approval are determined by the financing partner. Tru72 does not extend credit or set loan terms.

Can I use financing and a rebate together?

Many homeowners combine rebates with financing to reduce upfront costs. See the North Carolina savings and rebate programs, including Energy Saver North Carolina and Duke Energy Smart $aver.

Can I finance a repair, not just a replacement?

Yes. Financing is available for repairs, replacements, and system upgrades.

See all FAQs

Let's book the in-home consultation.

We walk through the system options, the financing options, and the timeline together. Because comfort should be accessible when you need it most.

Book CharlotteSend a message

HVAC financing across the Charlotte metro

Tru72 Heating & Cooling offers financing on HVAC repairs, replacements and system upgrades for homeowners in Mecklenburg County (Charlotte, Huntersville, Matthews, Mint Hill and Pineville), Cabarrus and Rowan counties (Concord, Kannapolis, Harrisburg, China Grove, Salisbury, Mooresville, Cornelius, Davidson, Lake Norman, Denver, Statesville and Locust), Union County (Indian Trail and Monroe) and Gaston County (Belmont and Gastonia), plus Mount Pleasant and Stanfield, through GreenSky. Promotional financing, deferred interest plans, fixed-rate options and long-term financing, with online applications and decisions often within minutes. Loan terms, rates, and approval are determined by the financing partner; Tru72 does not extend credit or set loan terms. NC HVAC License L.34711.

Clean. Quality. Comfort. Done right.

Clean.Quality.Comfort.

Charlotte(980) 385-7599