A failing air conditioner in July. A water heater that won’t make it through the week. A sewer line that can’t wait. Major home comfort and plumbing repairs rarely happen at a financially convenient time — and they rarely come with a price tag that feels comfortable.
That’s exactly why Woods Comfort Systems offers flexible financing options for qualified homeowners throughout Central Texas. Whether you’re replacing an aging HVAC system, upgrading to a tankless water heater, or facing an unexpected sewer line replacement, we’ll help you find a payment plan that makes the right solution — not just the cheapest one — the accessible one.
Apply directly with any of our lending partners. Every plan below covers both HVAC and plumbing work, and all financing is subject to credit approval.
GreenSky® offers fixed-rate and promotional financing plans with fast online application and approval.
Plan 2602 · monthly payments required
Plan 2602: Rates range from 17.99% – 24.99% APR. Loan amount and rate will vary based on your income and creditworthiness. 6 month promotional period (“Promo Period”) during which interest is billed but will be waived if the amount financed is paid in full before Promo Period expires. Monthly payments are required during the Promo Period, but making only the required monthly payments will not pay off the amount financed by Promo Period expiration date. Any unpaid balance and amounts owed after Promo Period will be paid over 30 monthly payments. For example, assuming the full credit limit is used on loan approval date, for every $1,000 financed at 24.99% APR, 36 monthly payments of $39.76.
Plan 2521 · monthly payments required
Plan 2521: 0% for 12 months with no monthly payments during promotion period. Rates range from 15.85% – 21.19% APR (interest rates range from 17.99% – 24.99%). 12 month promotional period (“Promo Period”) during which interest is billed but will be waived if the amount financed is paid in full before Promo Period expires. Monthly payments are not required during the Promo Period. Any unpaid balance and amounts owed after Promo Period will be paid over 84 monthly payments. For example, assuming the full credit limit is used on loan approval date and no payments are made during Promo Period, for every $1,000 financed at a fixed interest rate of 24.99%, 12 monthly payments of $0 followed by 84 monthly payments of $28.29. This example is an estimate only. Actual payment amounts based on amount and timing of purchases.
Plan 4158 · monthly payments required
Plan 4158: 0% for 15 months with monthly payments required. Rates range from 17.99% – 24.99% APR. 15 month promotional period (“Promo Period”) during which interest is billed but will be waived if the amount financed is paid in full before Promo Period expires. Monthly payments are required during the Promo Period, but making only the required monthly payments will not pay off the amount financed by Promo Period expiration date. Any unpaid balance and amounts owed after Promo Period will be paid over 69 monthly payments. For example, assuming the full credit limit is used on loan approval date, for every $1,000 financed at 24.99% APR, 84 monthly payments of $25.30. This example is an estimate only.
Plan 2631 · monthly payments required
Plan 2631: 0% for 18 months with monthly payments required. Loan amount and rate will vary based on your income and creditworthiness. 18-month promotional period (“Promo Period”) during which interest is billed but will be waived if the amount financed is paid in full before Promo Period expires. Monthly payments are required during the Promo Period, but making only the required monthly payments will not pay off the amount financed by Promo Period expiration date. Any unpaid balance and amounts owed after Promo Period will be paid over 66 monthly payments. For example, assuming the full credit limit is used on loan approval date, for every $1,000 financed at 24.99% APR, 84 monthly payments of $25.30. This example is an estimate only. Actual payment amounts based on amount and timing of purchases.
Plan 9992 · fixed-rate loan
Plan 9992: Loan term is 120 months and rates range from 7.99% – 19.99% APR. Only well-qualified applicants will receive an APR of 7.99%; some applicants may not qualify. Loan amount and rate will vary based on your income and creditworthiness. For example, assuming the full credit limit is used on loan approval date, for every $1,000 financed at 19.99% APR, 120 monthly payments of $19.32.
Plan 2740 · fixed-rate loan
Plan 2740. Loan term is 120 months at fixed rate of 9.99% APR. For example, assuming the full credit limit is used on loan approval date, for every $1,000 financed at 9.99% APR, 120 monthly payments of $17.12.
Plan 1509 · fixed-rate loan
Plan 1509: Fixed rate 10.99% APR for 180 months. Loan term is 180 months at fixed rate of 10.99% APR. For example, assuming the full credit limit is used on loan approval date, for every $10,000 financed at 10.99% APR, 180 monthly payments of $113.6
Subject to credit approval. These examples are estimates only. Actual payment amounts based on amount and timing of purchases. Call 866-936-0602 for financing costs and terms.
Loans for the GreenSky® consumer loan program are offered and made by federally insured, federal or state chartered financial institutions providing credit without regard to age, race, color, religion, national origin, gender, disability, or familial status. A list of financial institutions currently providing loans through the GreenSky® Program is available at www.greensky.com/bank-partners. GreenSky Servicing, LLC services the loans on behalf of your lender, NMLS #1416362. www.nmlsconsumeraccess.org. GreenSky® is a registered trademark of GreenSky, LLC and is licensed to banks and other financial institutions for their use in connection with that consumer loan program. GreenSky Servicing, LLC is a financial technology company that manages the GreenSky® consumer loan program by providing origination and servicing support to banks and other financial institutions that make or hold program loans. GreenSky, LLC and GreenSky Servicing, LLC are not lenders. All credit decisions and loan terms are determined by program lenders.
Equal Housing Lender.
Expand your purchasing power with Promotional Financing through Synchrony.
Synchrony is one of the nation’s premier consumer financial services companies. Our roots in consumer finance trace back to 1932, and today we are the largest provider of private label credit cards in the United States based on purchase volume and receivables.
Plan 920
No monthly interest charges will be assessed if the promotional purchase is paid in full within 6 Months. If the promotional purchase is not paid in full within 6 Months, monthly interest will be imposed from the date of the purchase at the APR shown on the reverse side on the No Interest if Paid in Full within 6 Months line. Fixed monthly payments are required equal to 2.50% of the highest balance applicable to this promo purchase, rounded to the next highest whole dollar, until paid in full. Regular account terms apply to non-promotional purchases and after the promotion ends, to promotional purchases, except that the fixed monthly payment will continue to be required until the promotional purchase is paid in full.
Promotional Offer requires a qualifying purchase. Ask your dealer to see qualifying purchase details.
Plan 964 · $29 activation fee
On purchases with your Synchrony Bank credit card. $29 account activation fee will apply. Estimated payoff period 37 months. See below for additional information. Monthly interest will be assessed on your promotional purchase from the purchase date at 10.99% APR and fixed monthly payments are required equal to 1.25% of the initial promo purchase amount until paid in full. This fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if this was a non-promotional purchase. Estimated payoff period 132 months. Regular account terms apply to non-promotional purchases. Promotional Offer requires a qualifying purchase. Ask your dealer to see qualifying purchase details.
Plan 965
Plan 992
Monthly interest will be assessed on your promotional purchase from the purchase date at 9.99% APR and fixed monthly payments are required equal to 3.00% of the initial promo purchase amount until paid in full. This fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if this was a non-promotional purchase. Estimated payoff period 37 months. Regular account terms apply to non-promotional purchases. Promotional Offer requires a qualifying purchase. Ask your dealer to see qualifying purchase details.
Subject to credit approval. Minimum monthly payments required. See store for details.
For all promotions: Qualifying purchase must be made with your Home Design credit card issued by Synchrony Bank and a $29 account activation fee will apply and be charged at the time first purchase posts to account. For new accounts: Purchase APR is 26.99%; Minimum Monthly Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.
Buy today, pay over time
We offer financing options for the services our company will provide for your home. These are the benefits of financing through us:
*With approved credit. Ask for details.
A new HVAC system is one of the largest investments a homeowner makes — often ranging from a few thousand dollars for a basic repair to $10,000 or more for a full system installation. Major plumbing work, like a sewer line replacement or whole-home repipe, can carry similar costs.
The right financing plan means:
Woods Comfort Systems partners with three trusted financing providers — GreenSky®, Synchrony Financial, and AC Credit, Inc. — to help qualified homeowners invest in their comfort without straining their budget. Financing options are available for both HVAC and plumbing projects and may include competitive rates, flexible repayment terms, fixed-rate loans, and promotional “no interest if paid in full” plans, subject to credit approval. Our team will guide you through every available option, explain the terms clearly, and help you compare plans so you can confidently choose the financing solution that best fits your needs. Detailed information, current rates, and lender disclosures can be found in the Our Financing Partners section below.
Woods Comfort Systems financing is available for a wide range of residential HVAC and plumbing projects — from planned upgrades to unexpected emergency replacements.
Full central air conditioning system replacement for homes and light commercial properties
Furnace replacement, heating system upgrades, and new heating installations
New heat pump systems — both full replacements and new installs for homes upgrading from separate units
Whole-home air filtration, UV air purifiers, ventilation upgrades, and humidity control systems
Significant ductwork system upgrades or complete duct replacement projects
New attic insulation installation for improved energy efficiency and comfort
Traditional tank water heater replacement and new installations
Whole-home tankless water heater systems — upgrade from tank to on-demand
Full sewer line replacement when repair is no longer cost-effective
Complete residential repipe projects — copper, PEX, or other approved materials
Major plumbing installation projects including new fixture systems and line extensions
Whole-home water softener systems for hard water treatment
Whole-home water filtration installation for improved water quality
Some projects can’t be planned for. When your air conditioner fails during a Central Texas heat wave, or a sewer backup turns into an emergency replacement, you need a solution — not a waiting period.
Woods Comfort Systems provides fast-approval financing for emergency HVAC and plumbing replacements. If you’re facing an urgent system failure, our team can walk you through financing options on the same call as your service appointment — so you can move forward with the right solution without delay.
for qualifying emergency replacements
on all replacement systems — so you know the full cost before any commitment
we'll always tell you if a repair makes more sense than replacement
For many homeowners, financing a major home system replacement is a genuinely smart financial decision — not just a convenience. Here’s why:
When budget constraints force a homeowner to choose the cheapest available option, the result is often a system that's underpowered, inefficient, or poorly suited to their home's actual needs. Financing removes that constraint. You can choose the system that's right for your home — the one that will perform better, last longer, and cost less.
A modern, high-efficiency HVAC system can reduce monthly energy costs by 20–40% compared to an aging system operating at reduced capacity. In many cases, those utility savings partially or fully offset the monthly financing payment — making the upgrade cost-neutral or even cost-positive over the system's lifespan.
A failing sewer line that goes unrepaired becomes a sewage backup that damages your foundation, flooring, and walls. An HVAC system running on borrowed time becomes a complete failure on the hottest day of the year. Financing lets you address the problem now — before it becomes a significantly more expensive problem.
Your savings account exists for a reason. Financing a planned home system replacement — at a manageable monthly payment — leaves your financial cushion intact for the things it's truly needed for.
Unlike a lump-sum expense, financing converts a large, unpredictable cost into a fixed, predictable monthly payment. That predictability makes budgeting easier — and removes the financial anxiety that often delays necessary home repairs.
Financing is only as trustworthy as the company offering it. When you finance through Woods Comfort Systems, you’re working with a family-owned HVAC and plumbing company that has been serving Central Texas since 1956 — with a reputation built entirely on honesty, fair pricing, and doing the right thing for our customers.
Three generations of the Woods family — not a chain, not a franchise
Know the full cost before any commitment
Emergencies don't come with a premium here
Credentialed professionals on every job
Fully licensed, insured, and background-checked
In most cases decisions for qualifying projects
We walk you through every detail before paperwork is signed
“I was dreading the conversation about replacing our whole AC system — we just didn’t have $8,000 sitting around. The team at Woods walked us through the financing options and we were approved the same day. Monthly payment is less than I expected, and the new system is already saving us money on electricity.”
“When our sewer line collapsed, I thought we were going to have to drain our savings. Woods helped us get financing approved quickly and had the job done within the week. Clear pricing, no surprises, and they kept us informed the whole time.”
Getting financing for your HVAC or plumbing project with Woods Comfort Systems is straightforward:
Contact us to schedule a free in-home estimate for your replacement or installation project. Our technician will assess your home, explain your system options, and provide a complete, written quote — no pressure, no obligation.
Once you have your estimate in hand, our team will walk you through the available financing plans — including term lengths, monthly payment estimates, and any available promotional rates. We give you all the information you need to make a confident, informed decision.
Apply for financing and receive a fast approval decision. Once approved, we schedule your installation at a time that works for you. In most cases, projects can be completed the same week.
Whether you’re planning a system upgrade or facing an unexpected replacement, financing makes it possible to get the right solution now — without draining your savings or delaying a necessary repair.
Woods Comfort Systems provides free in-home estimates on all replacement systems, water heaters, and water treatment projects. There’s no obligation and no pressure — just a clear, honest quote and a straightforward conversation about your options.
Yes. Woods Comfort Systems offers flexible financing options for qualified homeowners throughout Central Texas. Financing is available for a wide range of HVAC and plumbing projects including AC replacement, heating system replacement, heat pump installation, water heater installation, tankless water heater upgrades, sewer line replacement, whole-home repiping, water softeners, and indoor air quality systems. Contact us to learn about current financing options and terms.
Financing is available for most major residential HVAC and plumbing replacement and installation projects, including air conditioning replacement, heating system replacement, heat pump installation, indoor air quality upgrades, water heater installation (traditional and tankless), sewer line replacement, whole-home repiping, water softener installation, and water filtration systems. Contact us to confirm eligibility for your specific project.
Financing terms, rates, and available promotions vary based on the financing program, the project amount, and credit qualifications. We work with three financing partners — GreenSky®, Synchrony Financial, and AC Credit, Inc. — to offer competitive rates and flexible term lengths. Options include fixed-rate loans (as low as 7.99% APR for well-qualified applicants, with terms up to 120 months) and promotional plans such as “No Interest if Paid in Full in 6 Months.” Full plan details and disclosures for each partner are on this page in the Our Financing Partners section. Contact our team for current rate information, available promotional offers, and a clear explanation of all terms before you apply.
Our financing programs are primarily designed for residential HVAC and plumbing projects. If you have a light commercial project, contact us directly and we’ll discuss what options may be available for your specific situation.
Prepayment terms depend on the specific financing program. Our team will always review these details with you clearly before any financing agreement is signed. We don’t believe in surprises — ask any question you have and we’ll give you a straight answer.
Woods Comfort Systems financing options are available to qualified homeowners across our entire Central Texas service area — including Austin, San Marcos, New Braunfels, Kyle, Buda, Wimberley, Canyon Lake, Dripping Springs, Georgetown, San Antonio, Round Rock, Boerne, and 14 additional communities throughout the region.
Whether you’re in a fast-growing suburb like Kyle or Buda, a Hill Country community like Wimberley or Canyon Lake, or the Austin metro, our team is ready to help you explore your options.
Nearly 70 years of honest service. Free in-home estimates. No hidden fees. And now — flexible financing to help make the right decision the accessible one.