Financing · Raleigh
Unexpected HVAC repairs and system replacements rarely happen at a convenient time. We offer flexible financing for repairs, replacements and upgrades — predictable monthly payments, simple approvals.
Whether your system failed unexpectedly or you're planning ahead for a more efficient upgrade, financing can help you move forward with confidence.
Our financing partner offers solutions designed to fit a variety of budgets and situations, with options that may include:
Many homeowners use financing to upgrade to quieter, more efficient systems with better comfort, improved air quality, and lower utility costs.
Financing gives homeowners flexibility during one of the most stressful moments a home can experience: losing heating or cooling when you need it most.
It 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, and spread payments into manageable monthly costs.
What it means: 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 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.
Loan terms, rates, and approval are determined by the financing partner. Tru72 does not extend credit or set loan terms.
Some promotional financing programs may include deferred interest terms. Here is what to check before you sign anything.
| What is being compared | What the offer says | What to check |
|---|---|---|
| The rate | "0% financing." | Whether the offer is true 0% financing or deferred interest. |
| The deadline | "Special promotional terms." | The promotional expiration timeline. |
| The cost | A monthly payment. | Total repayment, not just the monthly payment. |
| Paying it off early | Usually unstated. | Whether paying early changes the cost structure. |
What it means: Our team is always happy to walk through the options clearly before any work begins.
That's completely normal, and you don't have to figure it out alone. Our team can walk you through GreenSky's available options and help you compare them on five things.
What you can carry comfortably each month, rather than the largest sum you could be approved for.
How long you want the payments to run, and what that does to the total.
Which ones are live, what they require, and when they expire.
A capacitor repair and a whole-home replacement are not the same financing question.
What the application asks for, and how quickly a decision comes back.
The questions homeowners ask most often before applying.
GreenSky, our financing partner. Loan terms, rates, and approval are determined by the financing partner. Tru72 does not extend credit or set loan terms.
Most financing applications can be completed quickly online, often with decisions available within minutes.
Not always. Some promotional financing programs may include deferred interest terms, which means interest can be charged retroactively if the balance isn't cleared before the promotion expires. Check whether the offer is true 0% financing or deferred interest, when the promotion ends, and what the total repayment is — not just the monthly payment.
Both. We offer flexible financing options for repairs, replacements and system upgrades.
Yes. Our team can help walk you through GreenSky's available options, explain payment structures clearly, and compare solutions against your monthly payment goals, term length, the promotional offers live that month, the project size and your approval preferences. We believe financing should feel clear, helpful and pressure-free.
We walk through the system options, the financing options and the timeline together. Mon–Fri 8 AM – 8 PM, with after-hours answered by our team.
Tru72 Heating & Cooling offers GreenSky financing on repairs, replacements and system upgrades for homes in Wake County (Raleigh, Garner, Knightdale, Rolesville, Wake Forest, Wendell, Zebulon, Cary, Apex, Holly Springs and Fuquay-Varina), Johnston County (Clayton), Granville County (Creedmoor), Franklin County (Bunn, Franklinton, Louisburg and Youngsville) and Durham County (Durham). 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.
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