Make Your Purchases with Ease When You Use Our Residential KwikComfort Financing Program

Heating, cooling and water heating needs can be a big purchase for your home. We offer financing options with our Synchrony Project Card to help increase your purchasing power.

The Residential KwikComfort® Financing Program can help make your purchase even easier with:

  • Convenient monthly payment options
  • Competitive interest rates
  • No prepayment penalties
  • Dedicated credit limit for your future home improvement projects
  • A simple application process and fast credit decisions
KwikComfort_card

See your Ruud contractor for more information.

No Interest if Paid in Full within 18 Months with your Synchrony Project Card* at Participating Contractors

Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 18 months. $29 account activation fee will apply. Fixed Monthly Payments required equal to 2.5% of the highest balance applicable to this promo purchase.

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Frequently Asked Questions:

  • What is the Synchrony Project Card?

    We offers homeowners financing through the Synchrony Project Card with a revolving credit limit.
  • How do I apply for the Synchrony Project Card?

    Find a local contractor that offers financing, then apply for the Synchrony Project Card. Click here to apply today!
  • Where do I check the status of my account?

    To check the status of your Synchrony Project Card account, click here to go to the Synchrony Bank website. After logging in to your account, you will be able to:

    • Make a payment
    • View your balance
    • Update your account information
  • How do I speak with a representative?

    Contact Synchrony Bank Customer Service at 1.866.396.8254
  • How can I make a payment on my Synchrony Project Card?

    There are three convenient ways to pay your bill.

    Pay Online: Click here to manage your account and make payments online.

    Pay by Phone: Contact Synchrony Bank Customer Service at 1.866.396.8254 during the hours listed below to make a payment by phone.
    Monday–Sunday 7:30 a.m. to 12 midnight ET
    NOTE: There may be an additional fee to make an expedited payment by phone.

    Pay by Mail: Mail payments to the address below. Ensure that you have plenty of time for your payment to arrive prior to the due date.

    Synchrony Bank
    PO Box 960061
    Orlando, FL 32896-0061

*Qualifying purchase amount must be on one receipt. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. Fixed monthly payments are required equal to 2.5% of the highest balance applicable to this promo purchase during the promotional period for purchases made on or after 1/15/2026, or until the promotional purchase is paid in full for purchases made before 1/15/2026. The fixed monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to promotional purchases, except that for purchases made before 1/15/2026, the fixed monthly payment that is based on the highest balance applicable to this promotional purchase will continue to be required until the promotion is paid in full. New Accounts as of 8/29/25: Purchase APR 26.99%. Min Interest Charge $2. One-time Account Activation Fee of $29 charged at time first purchase posts to account. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

Are you a contractor?

To begin offering Residential KwikComfort® Financing to the homeowners you serve, contact your Ruud distributor.

*All pros listed are independent dealer-owned businesses, and not owned or operated by Ruud Manufacturing Company.