A New System Shouldn't Have to Wait Until You Can Pay for It All at Once

Getting a new HVAC system is one of the bigger home expenses you'll face — and we've built two flexible financing paths to make sure cost doesn't force you into a bad decision.

Whether your heater stopped working last night or you're planning ahead for a system that's seen better days, we have a service for where you are right now.

Two Ways to Finance Your New HVAC System

We offer financing through Synchrony Bank and TVA power bill financing for qualifying utility customers. They work differently, and one may fit your situation better than the other. Here's what you need to know about each.

Insulation Installation

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Ductwork running through attics, crawl spaces, or unconditioned areas loses a significant amount of efficiency without proper insulation around it. We install duct insulation as part of new installations and as a standalone upgrade on existing systems. Pairing duct sealing with insulation is one of the most cost-effective ways to reduce monthly energy costs in an older Mississippi home.

Synchrony Bank Financing

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Synchrony is a widely used consumer financing program available directly through Boyle. When you're getting a quote for a new system, just ask about financing — we'll walk you through the application on the spot. Approval is straightforward, and once you're set up, you can choose your equipment and schedule your install without delay. Synchrony offers promotional rate options that can make monthly payments significantly more manageable than a lump-sum purchase.

TVA Power Bill Financing

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This one surprises a lot of customers — and it's one of the more practical options available in our area. If you're a customer of Columbus Light & Water, Four County Electric, or Monroe Power Association, you may qualify to add the cost of your new system directly to your monthly power bill. There's no separate lender and no separate payment. Your system cost is spread across your utility bill in manageable installments. It's a program most HVAC contractors don't even mention, and we think that's a missed opportunity for the people we serve.

Stack a Rebate on Top of Financing and the Gap Gets Smaller Fast

As a TVA EnergyRight partner, we can help qualifying customers access rebates of up to $800 on new system installs. That rebate can be applied directly toward your financed balance — meaning you're borrowing less from the start.


If you qualify for both a rebate and financing, we'll show you exactly how they work together before you commit to anything.

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Financing Doesn't Change What Equipment You Can Choose

Some customers worry that going the financing route means settling for a lower-tier system. That's not how it works here. Your equipment options are the same regardless of how you pay. We're a Rheem Premier Platinum Dealer, and whether you're paying cash, financing through Synchrony, or using TVA bill financing, you have access to the same quality systems and the same installation standards.

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Financing Questions, Answered Plainly

  • Can I finance a new HVAC system in Mississippi if I have average credit?

    Synchrony Bank financing is available through Boyle for qualifying customers, and approval decisions are made quickly. If you have questions about eligibility, the best step is to call us or ask during your quote appointment. We'll help you understand your options before you commit.

  • Does financing affect what equipment I can choose?

    No. Your equipment options are the same whether you pay upfront, finance through Synchrony, or use TVA bill financing. We'll recommend the right system for your home or business first, then work through the payment options that fit your budget.

  • How do I apply for Synchrony financing?

    You don't need to do anything in advance. When you call to schedule or when we're on-site for your quote, just let us know you're interested in financing. We'll handle the application process with you directly.

  • What is TVA power bill financing and how do I know if I qualify?

    TVA power bill financing lets qualifying utility customers add the cost of a new HVAC system to their monthly power bill instead of paying a lender separately. It's available through select utilities in our service area, including Columbus Light & Water, Four County Electric, and Monroe Power Association. Call us and we'll confirm whether your utility participates and walk you through the terms.

  • Can I use a TVA rebate and financing at the same time?

    Yes. If you qualify for a TVA EnergyRight rebate — up to $800 on qualifying installs — that amount can be applied toward your financed balance, reducing what you owe from the start. We'll show you how the two work together before you make any decisions.

  • What financing options are available for heat pump installation in the Golden Triangle?

    Both Synchrony Bank financing and TVA bill financing can be applied to heat pump installations for qualifying customers in the Columbus, Starkville, and West Point area. Heat pumps also frequently qualify for TVA EnergyRight rebates, which can reduce your financed amount further. Call us to get the full picture for your specific install.

We'll Walk You Through Every Step — No Surprises

We're a family-owned business. Mike and Rachel handle customer communication directly, and we've guided a lot of homeowners through this process. If you're not sure which financing option fits your situation, or you want to understand what each one actually costs before you decide, call us. One conversation is usually all it takes to get clear on your options.