Flexible HVAC Financing So Comfort Doesn't Have to Wait
A failing system doesn't care about your budget — but the way you pay for a new one should. We offer two financing options through Boyle Heating & Cooling so you can move forward without putting your family's comfort on hold.
Synchrony Bank Financing, Available Directly Through Boyle
We work with Synchrony Bank to offer financing on new HVAC equipment and installation — and you apply right through us, not through a third party. No need to find your own lender or sort through options on your own. Ask about it when you call for a quote or bring it up during your appointment and we'll walk you through the details on the spot.
Synchrony financing is available on qualifying purchases and may include promotional rate options depending on the terms in effect at the time of your install. The financing does not limit your equipment choices — you can still select the system that fits your home, and we'll work through the numbers with you so you know exactly what you're looking at before you commit.
TVA Power Bill Financing — A Financing Option Most Contractors Don't Mention
If you're a customer of a participating utility, you may be eligible to add the cost of a qualifying HVAC system directly to your monthly power bill. This is a TVA program — not a loan, not a credit card — and it's available through utilities including Columbus Light & Water, Four County Electric, and Monroe Power Association.
The cost gets spread across your bill in fixed installments, which keeps the process simple and the terms predictable. It's one of the more straightforward financing paths available in this area, and because most contractors don't bring it up, a lot of homeowners don't know it exists. We'll let you know upfront if you qualify.
Combine a Rebate With Financing and the Gap Gets Smaller Fast
As a TVA EnergyRight partner, we can connect qualifying customers with rebates up to $800 on eligible equipment installs. That rebate applies to your total project cost — which means if you're financing, it reduces the balance you're carrying from day one.
A customer financing a heat pump installation who also qualifies for an $800 TVA rebate starts with $800 less to finance. That's a real difference in what you pay each month, and it's one of the reasons we walk every installation customer through both the rebate and financing options together before anything gets scheduled.
Common Questions About HVAC Financing
Can I finance a new HVAC system in Mississippi through Boyle Heating & Cooling?
Yes. We offer Synchrony Bank financing on qualifying HVAC purchases, and you apply directly through us — no outside lender required. Ask about it when you call or during your quote appointment and we'll go over current terms with you.Does financing affect which equipment I can choose?
No. Your financing option doesn't limit your equipment selection. We'll help you find the right system for your home first, then work through the payment options that fit your situation.How does TVA power bill financing work?
If you're a customer of a participating utility — such as Columbus Light & Water, Four County Electric, or Monroe Power Association — you may be able to add the cost of a qualifying system to your monthly power bill in fixed installments. It's a TVA program with predictable terms, and we'll tell you upfront whether you're eligible.Can I use a TVA rebate and financing at the same time?
Yes, and we recommend looking at both together. A qualifying TVA EnergyRight rebate — up to $800 on eligible installs — reduces your total project cost before financing is applied, which lowers the balance you carry and can meaningfully reduce your monthly payment.How do I apply for HVAC financing through Boyle?
The easiest way is to call us at 662-889-1059 or bring it up when you request a quote. We'll walk you through both financing options, let you know what you qualify for, and make sure you have a clear picture of costs before any work is scheduled.
We Handle This Alongside You — Not at Arm's Length
We're a family-owned business. Mike and Rachel handle customer communication directly, and that includes helping you understand your financing options without pressure or confusion. If you have questions about what a financing term means, what you'd owe monthly, or whether you qualify for TVA bill financing, you'll get a straight answer — not a script.
Our customers across Columbus, Starkville, West Point, and into northwest Alabama have been navigating these decisions with us for over 25 years. We've seen what works and what trips people up, and we'll make sure you go into this clear on what you're agreeing to.