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Financing Programs

Finance Your Next HVAC Purchase!

GAC Services is committed to providing reliable, affordable HVAC services to homeowners throughout Montgomery County, Howard County, and Frederick County, Maryland. We understand that you can’t always plan for the unexpected, which is why we offer flexible payment options for your HVAC installation or replacement.

Below are GAC exclusive financing options.

Contact us to learn more about our financing options.

24 Month Same-As-Cash financing

24 Month Same-As-Cash financing is available to purchases over $8,000 qualified buyers through Mariner Finance. This means you can enjoy the comfort of your new heating and cooling system immediately with minimum out of pocket cash.  Plus pay No Interest if paid in full within 24 months.  Promotion is based on a 120 month 16.99% loan, interest starts accruing when the loan closes but is fully waived if repaid within 24 months.  Promotion is void if the minimum payment is not made, or missed. Minimum payment WIIL NOT pay off the loan in 24 months.

For more details and a FREE Estimate call GAC Services 240-224-3144!


  • Only applicable on Bryant Evolution and Preferred models
  • January 1, 2021 and running through March 31, 2021

Wells Fargo

Special FINANCING for 36 Months on a New Cooling & Heating System

Right now when you purchase a new air conditioner and furnace system from us, you can take advantage of special financing for 36 months in collaboration with Wells Fargo! Subject to credit approval. Call for details.

Details from Wells Fargo »


Microf, a leading financing company in the HVAC industry, and GAC Services provides you with flexible payment solutions for any HVAC installation or replacement project. Microf offers hassle-free financing for all your heating and cooling needs so you do not have to access your existing funding sources like your home equity line, credit card, or bank account.

Details from Microf >>

Interested in applying? Submit your application here and obtain an instant decision from Microf.

Why Finance Your HVAC Project?

There are many benefits when financing your HVAC project. When you need a new heating system or cooling system installed, you can trust GAC Services and Microf to provide you with flexible payment options. So, why should you finance your next in-home project?

  • No down payment required.
  • Limited declinations.
  • Quick response times
  • Multiple payment options.
  • Extensive contract term choices.
  • Flexible and affordable payment arrangements.

HVAC Installation & Replacements in Maryland

Our financing programs are available specifically for HVAC installations and replacements. Contact us to learn more about what payment option is best for you.

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