HVAC Financing With smart72 and Home Depot

smart72 offers same- or next-day installation for qualified buyers. Don’t waste your time rummaging through paperwork and applying for credit. smart72 and Home Depot do the work for you!

The Home Depot Project Loan offers fixed interest rates of 7.99% APR*. Get credit lines of up to $55,000 with no annual fees!

How smart72 and Home Depot financing works

  1. You can apply online or in-store for your Home Project Loan
  2. There is a six-month buying window
  3. You have 84 months to pay off your purchase.**

Why choose smart72 for financing your next HVAC unit?

smart72 has been the authorized HVAC contractor for The Home Depot for over a decade. We are well-established in Central California and have won several accolades from The Home Depot’s annual HVAC conference for providing superior customer service to California homeowners.

  • – Licensed & insured
  • – Background checked employees
  • – 100’s of hours of industry training
  • – Excellent customer service record
  • – iVOC score 4.66 out of 5 (Voice of the customer)
  • – 24/7 customer support
  • A+ rating with the BBB ( Better Business Bureau)
  • – Heat Exchanger Expert Certified
  • – NATE certified

The Home Depot has been the most trusted home improvement retailer in the U.S. since 1978 and a proud partner of smart72 for over 10 years.

Home Depot locations:
(17 stores)



  • – Salinas, CA
  • – Seaside, CA
  • – Watsonville, CA
  • – Gilroy, CA
  • – Morgan Hill, CA
  • – Soquel, CA


  • – Santa Cruz, CA
  • – Capitola, CA
  • – Watsonville, CA
  • – Live Oak, CA
  • – Scotts Valley, CA


*Interest only payments are required during the first 6 months and are based upon a 7.99% Annual Percentage Rate. After the first 6 months, the balance is amortized over 84 months at a 7.99% Annual Percentage Rate.

**Period begins at approval. See loan agreement for further details.