Financing

At Arco Heating & Cooling, we understand that home improvement projects can be a significant investment. That’s why we offer flexible financing solutions through FTL Finance and Synchrony Bank, making it easier for you to get the services you need without financial stress.

FTL finance logo

Financing with Optimus

Optimus Finance makes it easy for Arco Heating and Cooling customers to get the comfort they need—without the financial stress.


Whether you're replacing an old HVAC system or installing a brand-new unit, Optimus offers fast, flexible financing options tailored to your budget. With quick approvals, low monthly payments, and no hidden fees, you can enjoy reliable heating and cooling now while paying over time. Partnering with Optimus means Arco customers get hassle-free financing and personalized support—so you can stay comfortable without delay.

synchrony finance logo

Financing with Synchrony

Synchrony Bank is one of the premier consumer financial service companies in the United States with over 80 years of retail heritage, and today is the largest provider of private label credit cards in the United States.


  • A simple application process, and fast credit decisions
  • Unsecured, revolving credit lines
  • Open credit line for future purchases
  • Promotional financing options
  • Convenient monthly payment options
  • Online account management

Flexible Financing Options – Make Comfort Affordable!

At Arco Heating & Cooling, we believe in making your home comfort accessible. Whether you need a new system, a repair, or maintenance, we offer flexible financing options to fit your budget. Don’t let costs stand in the way of quality service. Explore our financing options today and get the comfort you deserve!