We understand that you’re on a budget. To help you and your family have the heating or cooling system you deserve, we offer financing to assist in the expense. Call today for details on how we can help you!

We offer financing options with approved credit through Wells Fargo, Microf, and Synchrony Financial. Call us at (773) 231-9175 for more information!


Loan Features:

  • Residential owner-occupied and tenant occupied, single-family (1-4 unit) homes, condominiums and mobile homes
  • Unsecured loan (homeowner provides no collateral)
  • Borrowers can finance $500 – $20,000
  • No fees, points, or closing costs
  • No prepayment penalty, can pay in full at any time
  • Can finance 100% of installation costs
  • Quick approval process

Full details, terms, and conditions can be found here.

Wells Fargo


We offer Greensky Financing with 0% interest for up to 60 months with approved credit and low interest payment plans up to 120 months. Contact us now to apply!

Call 866-936-0602 to apply.

Synchrony Financial

At Guardian Heating & Cooling Service, we’re happy to partner with Synchrony Financial to better serve your needs. Serving consumers for more than 80 years, Synchrony Financial is the largest provider of private-label credit cards in the United States and provides financing to help you afford major purchases. With this option, you enjoy benefits such as:

  • A simple application process
  • Fast credit decisions and a high approval rate
  • Flexible, convenient payment options
  • Deferred interest
  • No interest with equal monthly payments
  • Fixed payment with interest plans offering APRs and interest rates much lower than most bank card rates


When it comes to purchasing a new HVAC unit, you need options for affordable monthly payments. Microf offers Flexible Financial Solutions to finance your purchase with low monthly payments, instead of paying with a large amount of cash upfront. Benefits include:

  • Flexible Monthly Payments – Microf offers multiple payment terms and options for homeowners with excellent, good, or bad credit.
  • Simple Application Process – With Microf, you’ll have a fast, easy approval process. You only need an ID, active bank account, and steady income.
  • Help When You Need It – Microf works directly with us to install and maintain your unit.

Serving Chicago, IL and surrounding areas

Save today with our special offers

You love getting good deals, so here are some coupons to show our appreciation for considering us for your next heating or cooling installation or repair.

Special Offers
  • Matching Infinity System (Furnace, A/C, Stat)

    $500.00 Off*


    *Restrictions apply. Cannot be combined with any other offers. Must present coupon at time of service.

    Expires: 09/30/2021

  • $89 Clean and Check


    *Scheduling restrictions may apply. Limited spaces available. Ground-level residential equipment. Cannot be combined with any other offers. Must present coupon at time of service.

  • Mini-Split(Ductless) Installation

    $250.00 Off*


    *Restrictions apply. Cannot be combined with any other offers. Must present coupon at time of service.

    Expires: 09/30/2021

  • Carrier Cool Cash is back!

    Carrier Cool Cash

    Up to $1,650 in rebates on qualifying equipment

    Please contact Guardian Heating & Cooling Service at 773-763-9224 for more information. Cannot be combined with any other offer. Offer valid 9/6/2021 through 11/19/2021.

    Expires: 11/19/2021

What our clients are saying

Mo W.

Guardian is a top notch company and John is one of the most outstanding technicians I’ve ever worked with. He’s a trustworthy contractor who explains potential issues as he finds them, and breaks down the process of replacement so that anyone can understand it. I own 12 HVAC systems and I’ve seen more than my share of maintenance. I’ve used Guardian for years and these guys are simply the best.

Keith B.

Have used Guardian for years. Recently had a new furnace and central air installed and I couldn’t be happier. I really trust them because the workers are always extremely knowledgeable, good problem solvers, and they explain everything in terms I can understand. The guys are always very nice, and respectful, also. Highly recommend Guardian Heating & Cooling.

Laurie E.

Just had another great maintenance visit to prepare my old A/C units (2) for the summer. John was thorough and informative. Great job.

I have used Guardian Heating for over 15 years. And my original Rheem furnaces(zoned heat) are still running! I use their maintenance contracts to get reminders, advance scheduling and discounts on annual furnace and A/C checkups/cleaning. They are always quick to respond to a service request. I highly recommend them.

Installing the best and servicing the rest!