Chuck Baumer Heating and Cooling offers financing through Synchrony, one of the nation’s leading consumer financing companies. Synchrony provides flexible payment options for qualified customers on new HVAC installations – making it easier to invest in a new heating or cooling system without the full upfront cost.

About Synchrony Financing

Synchrony works with thousands of home improvement contractors across the country to offer financing at the point of sale. As a Synchrony contractor, we can connect you with flexible financing options that may include promotional periods, fixed monthly payments, and competitive rates for qualified customers. Synchrony financing is available on most new installation projects including furnace installation, AC installation, heat pump installation, boiler installation, and water heater installation.

How It Works

Get your free estimate – We come to your home, assess your system, and give you a complete written estimate.
Ask about Synchrony financing – When you are ready to move forward, ask us about current Synchrony promotional offers.
Apply directly – The application is quick and approval decisions are typically fast.
Schedule your installation – Once approved, we get you on the schedule.

Important Details

Subject to credit approval by Synchrony
Rates, terms, and promotional periods vary and change periodically
Chuck Baumer Heating and Cooling is not a lender – we connect you to Synchrony and they handle the application and approval
Available on new equipment installations

Combine With Utility Rebates

Synchrony financing covers the full cost of your installation upfront. After your new equipment is installed, you may be eligible for Consumers Energy or DTE Energy rebates, which typically arrive several weeks after the job is complete. Many homeowners apply that rebate check toward their loan balance to reduce their total out-of-pocket cost over time. See our full rebates and incentives page.

Call 989-684-7521 for a free estimate and to ask about current Synchrony financing offers. Chuck Baumer Heating and Cooling – Bay City, MI since 1986.

Ready to Schedule? We pick up the phone. Free estimates on all new installations.

Call 989-684-7521

Financing Available

We work with multiple financing partners to help make your new system affordable — Synchrony, Michigan Savers, and United Bay Community Credit Union (UBCCU). We'll connect you with the right option at the time of your estimate. The application and approval process is handled directly between you and the lender. Learn more about financing →

Frequently Asked Questions

Yes — always. We offer free in-home estimates on all new heating and cooling installations. We'll assess your home, size the system correctly, and give you a complete written estimate before you commit to anything.

We install Bryant as an authorized dealer and service most major brands. Ask us when you call if we service your specific equipment.

Yes — for customers whose systems we've installed, we offer 24/7 emergency service. When your heat goes out on a cold Michigan night, call 989-684-7521 and we'll pick up.

Chuck Baumer Heating & Cooling has been serving Bay City and the Great Lakes Bay Region since 1986 — over 40 years as a family-owned business. We've installed systems for parents and now their grown kids.

Yes. We work with multiple financing partners — Synchrony, Michigan Saves, and United Bay Community Credit Union (UBCCU). Each lender sets their own rates and terms based on your individual credit profile. We’ll connect you with the right option and they handle the application directly with you. Learn more about financing →

Yes. We are fully licensed and insured for all residential and commercial HVAC work in Michigan.

David O

September 16, 2026

I had a furnace and hot water heater installed and I couldn’t be happier. I will undoubtedly call Chuck again if I need him and I would highly recommend him to anyone.

Tim Kendall

September 2, 2026

Great guy to have come fix any of your heating and cooling needs. Very punctual and knows his stuff.

Jay Neitz

September 1, 2026

Our A/C stopped working in our home I called Chuck and told him what was going on. He had his tech Brandon to my house within 30 minutes. He was fast and professional. We had A/C back on and running within 20 minutes a simple fix. I feel they are fair on price as well not trying to price gouge. Definitely your hometown heating and cooling. I will always call Chuck and his crew for my HVAC services.

dwayne moore

August 14, 2026

Chuck came out because our AC wasn’t working. He found a broken wire and had it fixed in minutes! Chuck and his dad are such great guys!

Teri Smith

May 30, 2026

Great service! He was here when he said he would be here. Fixed the problem in a timely way and was reasonably priced. He is my heating and cooling person.

james smith

May 30, 2026

on time and wife was happy.

Adam VanWert

May 22, 2026

Chuck and crew replaced our furnace last year and were SO helpful from start to finish. I called all around and Chuck not only came with the best prices, but word of mouth was that he was trustful, reliable and reputable. So when our AC unit went out on us this year, Chuck was my first call. I will gladly give this company my business for the years to come.

Junie Reed

April 8, 2026

Great prompt service, friendly, reliable, and affordable. Wouldn't call anyone else to do the job.

Rudy Gutierrez

March 17, 2026

Chucks company did a great job. His concern patience for me was appreciated Thank you chuck

Mike Davert

February 24, 2026

I called Chuck on Saturday night kind of late, and by Monday at noon he had my new furnace in. Very fast service and his whole team were very professional and clean. If you want a professional job than chuck and his team is who you call. Thank you very much Chuck.

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Synchrony HVAC Financing Bay City MI | Chuck Baumer Heating & Cooling