Financing Terms and Conditions
Last updated: March 2026
Overview
Plumb it Heat it Cool it offers financing options through third-party lending partners to help homeowners manage the cost of plumbing, heating, cooling, and sewer services. Plumb It Heat It Cool It is not a lender, does not make credit decisions, and does not guarantee any specific financing terms. All financing is provided by and subject to the terms and conditions of our lending partners.
Lending Partners
Financing is currently offered through the following partners:
- GoodLeap – For full terms, rates, and disclosures, visit goodleap.com
- Synchrony – For full terms, rates, and disclosures, visit synchrony.com
Credit Approval
All financing is subject to credit approval. Not all applicants will qualify. Your actual interest rate, loan terms, and monthly payment amount will be determined by the lending partner based on your creditworthiness, requested loan amount, loan term, and other factors. The initial application uses a soft credit inquiry that does not affect your credit score. A hard credit inquiry may be required upon acceptance of a loan offer.
Promotional Offers
Promotional financing offers (including but not limited to deferred interest periods, reduced APR periods, and deferred payment periods) are subject to the specific terms established by the lending partner. Promotional terms may vary, may change without notice, and are not guaranteed. Monthly payment amounts, interest rates, and loan terms referenced on our website are provided for illustrative purposes only and may not reflect the exact terms available to you.
After any promotional period ends, the remaining balance will be subject to the standard interest rate and repayment terms established in your loan agreement with the lending partner. Please review your loan agreement carefully for complete details.
Monthly Payment Estimates
Any estimated monthly payment amounts shown on our website are for illustrative purposes only. Your actual monthly payment will depend on the approved loan amount, interest rate, loan term, and other factors determined during the application process. Estimated payments do not constitute a loan offer or guarantee of terms.
No Guarantee of Terms
Plumb it Heat it Cool it does not guarantee any specific interest rate, monthly payment amount, loan term, or promotional offer. Rates, terms, and availability are determined solely by the lending partner and are subject to change at any time without notice. Information on our website may not reflect the most current terms available.
Third-Party Responsibility
Your financing agreement is between you and the lending partner. Plumb it Heat it Cool it is not a party to your loan agreement, is not responsible for the terms of your loan, and is not liable for any disputes arising between you and the lending partner. All questions regarding your loan terms, payments, account, or balance should be directed to your lending partner.
Contact Us
If you have questions about financing options available for your project, please contact us at 484-616-0539 or visit our contact page.