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Colorado Bear Heating & Air
Financing

Comfort now, pay over time.

Flexible Synchrony financing puts a premium, energy-efficient system within reach. Apply online in minutes — or estimate your monthly payment from our pricing matrix below.

Synchrony Financing

Special financing available — apply in minutes.

Apply through our trusted financing partner and get a fast credit decision — then put it toward a new Daikin system, a major repair, or whole-home indoor air quality.

Apply now

Payment estimator

See what your system could cost per month

Pick a system from our Castle Rock pricing matrix, choose a Synchrony payment style, and get an estimated monthly range — then apply online or book a free written quote.

1. Choose your system

2. Pick a payment option

Estimated monthly payment

$1,110 – $1,410/mo

About $37 – $47 per day

Cash / check price
$18,500 – $23,500
Financed amount (incl. ~8% financing cost)
$19,980 – $25,380
Est. monthly bill savings
$70/mo
Effective net monthly
$1,040 – $1,340/mo

Dual-fuel pays you back

After rebates, you get heating and cooling in one package — with the highest estimated bill savings in our matrix.

  • Payments shown are estimates only.
  • Final pricing requires an in-home evaluation and a confirmed job scope.
  • Actual pricing, financing approval, terms, and monthly payments may vary.
  • Financed pricing includes an estimated ~8% financing cost over the cash/check price. Subject to Synchrony credit approval.
  • Use your real quote

    These ranges are Front Range market estimates. Your written Colorado Bear quote is the number that finances.

  • Rebates lower the principal

    Dual-fuel pricing is shown after typical qualifying rebates. We confirm Xcel / program eligibility on your estimate.

  • Apply with Synchrony

    Soft credit pull to browse options — then lock a plan once your system and install date are set.

Want the full price breakdown first? See HVAC pricing

Pay In 18, Skip Interest

18 Months Same-As-Cash

No interest when paid in full within 18 months.

$0 interest

  • 18 months same-as-cash
  • No prepayment penalty
  • Quick credit decision
  • Apply online or in-home
APPLY NOW

Subject to credit approval. Interest accrues from the purchase date but is waived if the balance is paid in full within 18 months. Financed pricing may include a financing cost over the cash/check price.

Low-Rate Fixed Payments

5.99% APR · 37 Months

A low fixed rate over a mid-length term.

5.99% APR

  • 37-month fixed term
  • Low 5.99% APR
  • Predictable equal payments
  • No prepayment penalty
APPLY NOW

Subject to credit approval. Payment examples are estimates only — actual rates, terms, and payments are set at application. Financed pricing may include a financing cost over the cash/check price.

Lowest Monthly Payment

9.99% APR · 132 Months

Long-term financing for new systems.

9.99% APR

  • 132-month term (11 years)
  • Lowest monthly payment
  • Fixed interest rate
  • Pay off anytime, no penalty
GET A QUOTE

Subject to credit approval. Payment examples are estimates only — actual rates, terms, and payments are set at application. Financed pricing may include a financing cost over the cash/check price.

Not sure which option fits your budget? Our team will walk you through the numbers — honestly, with no pressure.

(720) 790-3765
Your Comfort, Guaranteed

Ready for comfort done right?

Talk to a real Colorado Bear technician — never a phone tree. Same-day appointments and 24/7 emergency service across the south Denver Metro.

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