Synchrony

You don’t have to let a small budget keep you from getting what you really want or need. That’s why M&S Air Conditioning offers promotional financing options when your purchase is made with a Home Design credit card issued by Synchrony Bank.

Synchrony Logo

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.

Synchrony Bank can provide you with promotional financing options for major purchases, offering you a budget-friendly way to help you get what you really want or need. Expand your purchasing power and convenience with the options listed below.

Benefits:
  • A simple application process, and fast credit decisions
  • Unsecured, revolving credit lines
  • Open credit line for future purchases
  • Promotional financing options1
  • Convenient monthly payment options
  • Online account management

Applying online is quick, secure and private. To apply for a Home Design credit card, simply complete the online credit application.

1Subject to credit approval. Minimum monthly payments required. See store for details.

Turns Financing

Flexible, Non-Prime Financing for
Home Improvements

turns financing_logo

You don’t have to let non-prime credit or a tight budget keep you from getting the home upgrades you want or need. That’s why we now offer financing options through Turns Financing, a leading provider specializing in solutions for homeowners with non-prime credit.

Turns Financing empowers you with tailored financing, making even major purchases possible, regardless of credit challenges. We help you expand your purchasing power and get the improvements you need, with budget-friendly terms designed for real people.

Benefits of Turns Financing:
  • Simple, quick application process with instant decisions—even for non-prime applicants.
  • Loan options for applicants with 500+ FICO credit scores and subprime histories.
  • Waterfall approval approach: If declined for prime credit, your application automatically gets reviewed by second look and subprime lenders, increasing approval odds.
  • Fixed monthly payments—easy to budget, no surprise rate increases.
  • Loan amounts from $500 to $50,000, with repayment terms up to 180 months.
  • 100% paperless online application and account management.

Applying online is quick, secure, and private – just complete the digital application provided by your contractor.

Credit approval required. Loan terms, rates, and amounts depend on credit qualifications and lender programs. See your contractor for details.