Current manufacturer financing offers
HVAC Financing Specials: 0% APR on New Systems
Through October 4, 2026, Galaxy Heating & Air Conditioning offers 0% APR financing for 60 months on new Rheem systems and for 30 months on new Carrier, American Standard and Mitsubishi systems. Rheem, Carrier and American Standard systems include a 5-year labor warranty from Galaxy; Mitsubishi systems include a 7-year labor warranty from Galaxy. Credit approval required.
Compare the Offers by Brand
Valid on new system installations through (Pacific Time).
These offers ended October 4, 2026
Ask Galaxy about financing options available today.
View current financing options-
Rheem
0% APR
for 60 months
New system installations
Plus 5-year labor warranty from Galaxy
-
Carrier
0% APR
for 30 months
New system installations
Plus 5-year labor warranty from Galaxy
-
American Standard
0% APR
for 30 months
New system installations
Plus 5-year labor warranty from Galaxy
-
Mitsubishi
0% APR
for 30 months
New system installations
Plus 7-year labor warranty from Galaxy
| Brand | Financing | Term | Warranty |
|---|---|---|---|
| Rheem | 0% APR | 60 months | 5-year labor warranty from Galaxy |
| Carrier | 0% APR | 30 months | 5-year labor warranty from Galaxy |
| American Standard | 0% APR | 30 months | 5-year labor warranty from Galaxy |
| Mitsubishi | 0% APR | 30 months | 7-year labor warranty from Galaxy |
Offers apply to new system installations and require credit approval. Not every applicant will be approved. Confirm with Galaxy that your system qualifies and review the written financing and warranty terms before you sign an agreement. Offers end .
Current Offers
Offers end .
How to Use an Offer
- 1
Book an assessment
A Galaxy comfort advisor visits your home to evaluate your current system, ductwork and comfort goals.
- 2
Review your proposal
You receive a written proposal with equipment, price and which offer applies to the recommended system.
- 3
Apply for financing
Complete the credit application. Approval is required and is not guaranteed.
- 4
Read the written terms
Review the financing agreement and any warranty terms from Galaxy before signing.
Bay Area System Installations
Bay Area climates range from foggy coastal neighborhoods to inland valleys that regularly see summer heat. The right system depends on your home, not only the financing offer, so we size and recommend equipment during an in-home assessment. See our full service area.
Contra Costa County
Our Pleasant Hill office covers Walnut Creek, Concord, Lafayette, Danville and nearby communities, where hot inland summers make efficient cooling and heat pumps a common upgrade.
Alameda County
From Dublin and Oakland we serve the Tri-Valley and East Bay, from Pleasanton and Livermore to Berkeley, with systems sized for both warm valleys and milder bay-side neighborhoods.
San Francisco and the Peninsula
Our San Francisco office handles city and Peninsula homes, where compact ductless options such as Mitsubishi mini splits often fit older buildings without major ductwork.
Santa Clara County
We also install systems in South Bay communities. Call to confirm scheduling for your address.
Want a budget range before your assessment?
Answer a few quick questions about your home to see an instant budget estimate. This is budget guidance only, not a final quote. Your exact price is confirmed after an in-home assessment.
Financing Specials FAQ
What HVAC financing specials does Galaxy offer right now?
Through October 4, 2026, Galaxy offers 0% APR financing for 60 months on new Rheem systems and 0% APR financing for 30 months on new Carrier, American Standard and Mitsubishi systems. Rheem, Carrier and American Standard systems include a 5-year labor warranty from Galaxy; Mitsubishi systems include a 7-year labor warranty from Galaxy. Credit approval is required.
When do these offers end?
The offers are valid through October 4, 2026, Pacific Time. After that date they are no longer available.
Does everyone qualify for 0% APR financing?
No. Financing requires credit approval and not every applicant will be approved. Galaxy will help you apply and review the result with you before any work is scheduled.
Which systems qualify?
The offers apply to new system installations of the listed brands. Because equipment models and project scopes vary, confirm with Galaxy that the specific system in your proposal is eligible before you sign an agreement.
What labor warranty comes with these offers?
For new systems installed under these offers, Galaxy provides a 5-year labor warranty on Rheem, Carrier and American Standard systems and a 7-year labor warranty on Mitsubishi systems. These labor warranties are from Galaxy, not the manufacturers. Ask Galaxy for the written warranty terms so you can review exactly what is covered before you sign.
Where can I get these offers?
Galaxy installs systems throughout the San Francisco Bay Area, including Contra Costa, Alameda, San Francisco, San Mateo and Santa Clara counties, from offices in Pleasant Hill, Dublin, Oakland and San Francisco.
How do I get started?
Call (925) 578-3379 or schedule an in-home assessment online. You can also use the Galaxy estimator for a budget range first. Your final price, eligible equipment and financing terms are confirmed in writing after the assessment.
Ask Which Offer Fits Your Home
Offers end . Credit approval required.