Financing Options

A New System Shouldn't Have to Wait

Bay Area Mechanical offers GreenSky financing so you don't have to choose between your family's comfort and your budget — fast approvals, no piles of paperwork.

Apply for Financing See Available Plans

$65K

max credit limit²

Fast

approvals, less paperwork

0%*

promo interest options

partners with GreenSky®

Bay Area Mechanical and GreenSky financing partnership

Finance your HVAC project with GreenSky through Bay Area Mechanical

GreenSky makes the financing paperwork disappear. Apply, get a fast decision, and move forward with the installation your home needs — before the next season catches you off guard.

Loans are unsecured with fixed interest rates, managed through GreenSky on behalf of your lender — no revolving balance, no rate surprises month to month.

Apply today at greensky.com/consumer or call 866-936-0602

GreenSky Loan Program

Financing That Works as Hard as We Do

From deferred interest promotions to budget-friendly fixed-rate plans, GreenSky gives you the tools to move forward — on a schedule that works for your household.

Credit limits up to $65,000
Fast approvals
Flexible payment options
Deferred interest promotions
Budget-minded options available

Why finance instead of paying cash or using a credit card?

GreenSky lets you keep your savings and equity intact. It typically offers lower interest rates than credit cards, and deferred interest promotions mean you can manage a major upgrade without paying everything at once.

What kind of loan is this exactly?

GreenSky loans are unsecured with fixed interest rates. Unlike a revolving credit card, your non-promotional monthly payment stays the same — no rate surprises.

How long do I have to use my approved loan?

Once approved, you have four months to make purchases. Many deferred interest plans require no payment during the promotional period — first payment typically due 30 days after your first purchase.

How do I pay Bay Area Mechanical with GreenSky?

When approved, you receive a 16-digit account number and expiration date. Hand those to us and we process the payment just like a credit card — straightforward.

How do I make payments on my GreenSky loan?

Pay online at greensky.com/consumer, by phone at 866-936-0602, or set up automatic bank drafts. You choose what works for your household.

Apply for Financing

Available Plans

Three Plans. Ask Us Which One Fits.

The plan names below match exactly what GreenSky uses — so when you apply or talk to us, you'll know precisely what you're looking at. No ambiguity.

GreenSky Plan 4158

Deferred interest promotion plan

GreenSky Plan 2631

Budget-minded payment option

GreenSky Plan 9991

Flexible payment plan

Ask Us About Plans

Not sure which plan fits your project? We'll walk you through the options.

This is a different service — for existing customers only

For Existing Customers

Pay Your Bill Online. No Phone Call Required.

Already a Bay Area Mechanical customer? Payzer gives you a fast, secure way to settle your balance online — any time of day, any device.

Payzer is for paying an existing invoice. If you're looking to finance a new installation, see the GreenSky options above.

Pay Your Bill Online

Secure online portal — same trusted service, no check required.

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GreenSky legal and credit disclosure statement

*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 provided by Synovus Bank, Member FDIC, NMLS #408043, without regard to age, race, color, religion, national origin, gender, disability, or familial status. 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.