0% APR for 60 months
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on approved credit
A water heater never fails at a convenient time. Our financing promotion lets qualified buyers split an installed replacement into predictable monthly payments — with no interest during the promotional period.
Prefer to talk it through first? Call us and we'll confirm the current promotion and your installed price before you apply.
The promotion
- Interest rate
- 0% APR during the promotional period
- Term
- 60 months
- Lender
- Synchrony (third-party lender)
- Who qualifies
- Qualified buyers, on approved credit
- Your payment
- Financed amount ÷ 60 months
How it works
Three steps, no surprises
Get your installed price
We quote the full job — equipment, installation and code requirements — so the amount you finance is the real number, not a guess.
Apply with Synchrony
The application goes to Synchrony, the lender. Approval, credit limit and eligibility are their decision and usually come back quickly.
Spread it over 60 months
On approved credit, qualified buyers pay 0% APR for 60 months. Your exact payment is the financed amount divided by 60.
What it covers
Finance the whole job, not just the tank
The promotion applies to qualifying installed projects — the equipment plus the work that makes it safe and code-compliant.
- Water heater replacement and installation
- Tankless and hybrid heat pump upgrades
- Code-required venting, valves and pans
- Qualifying plumbing work completed with the project
Looking for utility rebates and federal tax credits too? See financing & rebate programs.
Financing questions, answered straight
Terms and conditions
Financing is provided by Synchrony, not by Hot Water Express. The 0% APR / 60-month promotion is available on approved credit to qualified buyers; approval, credit limit, and eligibility are determined solely by the lender. If the promotional balance is not paid in full within the promotional period, or if terms are not met, interest may apply under the lender's agreement. Promotional availability can change or end without notice — confirm the current offer with us before scheduling. Nothing on this page is financial or tax advice.
Get your installed price first
Financing works best on a real number. Tell us what's happening and we'll quote the job before you apply.
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