Plumbing Financing Options
Don't let cost delay a necessary repair or upgrade. Downing Plumbing offers fast, flexible financing through Synchrony Bank — get approved in minutes and get the work done today.
SYNCHRONY BANK PARTNER
No Interest If Paid in Full Within 18 Months
Downing Plumbing has partnered with Synchrony Bank to offer flexible financing for plumbing repairs, replacements, and installations. Whether you need a new water heater, a sewer line repair, or a full re-pipe, our financing options let you get the work done now and pay over time.
Applying takes just a few minutes. Credit decisions are made fast — often while our technician is still on-site — so there's no waiting around. Once approved, you have an open credit line you can use for future plumbing needs as well.
Call to Apply: (219) 512-9003Featured Offer
18-Month
Deferred Interest
No monthly interest if paid in full within 18 months*
- Fast, simple application
- Credit decision in minutes
- No money down
- Open line for future use
- Monthly statements from Synchrony
Offered through Synchrony Bank
HOW IT WORKS
Three Steps to Get Started
Schedule Your Service
Call us or schedule online. Let us know you're interested in financing when you book — our technician will bring everything needed to start the application on-site.
Apply in Minutes
Fill out a simple application through Synchrony Bank. There are no complicated forms — just basic information. Most decisions come back within minutes.
Get the Work Done Today
Once approved, we get to work immediately. No waiting, no delays. Pay over time at your pace — with no interest if you pay in full within 18 months.
WHAT YOU CAN FINANCE
Financing Available for Any Plumbing Project
Our Synchrony financing can be applied to virtually any plumbing service we offer — from emergency repairs you didn't plan for to upgrades you've been putting off. If Downing Plumbing does the work, you can finance it.
View all plumbing services → Water Heater Repair & Replacement
Toilet Repair & Replacement
Pipe Leak & Burst Pipe Repair
Sump Pump Installation & Repair
Sewer Line Repair & Replacement
Repiping & Water Line Work
Faucet & Fixture Installation
Water Softener & Filtration Systems
COMMON QUESTIONS
Financing FAQs
How do I apply for financing?
Call us at (219) 512-9003 and let us know you'd like to finance your project. Our technician can walk you through the Synchrony Bank application on-site, or you can call ahead and we'll get you started over the phone before we arrive.
What credit score do I need to qualify?
Synchrony Bank makes credit decisions based on your full credit profile. We don't set a minimum score requirement — many customers are approved with a range of credit histories. The application takes only a few minutes and won't hurt your credit until you submit.
What does "deferred interest" mean?
With deferred interest, no interest is charged to your account as long as you pay the full promotional balance before the 18-month period ends. If any balance remains after 18 months, interest is charged from the original purchase date at the standard APR. This is different from a "0% interest" offer — it's important to pay the full balance before the promotional period ends.
Is there a minimum project amount required?
Synchrony Bank sets their own minimum purchase requirements. Call us and we can confirm whether your specific project qualifies before we arrive. Most standard plumbing repairs and installations meet the threshold.
Can I use financing for emergency plumbing repairs?
Yes. You can apply for financing even in an emergency situation. If you call us for an urgent repair — a burst pipe, a failed sump pump during a storm, a water heater that stopped working — our technician can help you start the financing application before or during the service call.
Are there other payment options available?
In addition to the 18-month deferred interest offer, Synchrony may offer reduced APR fixed-payment plans depending on your credit profile and the project amount. Ask our technician or call us for details on currently available terms.
Important Financing Terms & Disclosures
*No monthly interest will be charged on the promotional purchase if you pay the promotional purchase amount in full within 18 months from the date of purchase. If you do not, interest will be charged from the purchase date. A $29 account activation fee will be charged when the first purchase posts to the account. Fixed minimum monthly payments equal to 2.50% of the highest balance applicable to this promotion will be required until the promotion is paid in full. Minimum interest charge is $2.00. Standard purchase APR applies to unpaid promotional balances and non-promotional purchases. Existing cardholders: see your credit card agreement for applicable terms. Subject to credit approval. Financing offered through Synchrony Bank.
Downing Plumbing & Heating, Inc. is not a lender and does not make credit decisions. All financing is provided by Synchrony Bank, subject to their terms and approval criteria.
Ready to Get Started?
Call us today to schedule your service and ask about financing. Our team will walk you through the Synchrony Bank application — most decisions come back in minutes.
READY TO GET STARTED?
Need Plumbing Service?
Whether you need drain cleaning, sewer repair, water heater service, sump pump repairs, or emergency plumbing help, Downing Plumbing is ready to help.