GAC Services


Finance Your Next HVAC Purchase!

GAC Services is committed to providing reliable, affordable HVAC services to homeowners throughout Montgomery County, Howard County, and Frederick County, Maryland. We understand that you can’t always plan for the unexpected, which is why we offer flexible payment options for your HVAC installation or replacement.

Below are GAC exclusive financing options.

Contact us to learn more about our financing options.

Mariner  –  24 Month Same-As-Cash Financing

With over 450 branches in 24 states, Mariner Finance delivers a wide range of finance options* along with exceptional customer service.  Apply today for a quick decision and let Mariner Finance help you with your purchase!

Details from Mariner Finance!

*Terms vary – subject to normal lending and underwriting requirements

24 Month Same-As-Cash financing is available to purchases over $8,000 qualified buyers through Mariner Finance. Promotion is based on a 120 month 16.99% loan, interest starts accruing when the loan closes but is fully waived if repaid within 24 months.  Promotion is void if the minimum payment is not made, or missed. Minimum payment WIIL NOT pay off the loan in 24 months.

Wells Fargo –  Special FINANCING for 10 years on a New Cooling & Heating System

Right now when you purchase a new air conditioner and furnace system from us, you can take advantage of special financing for 10 years in collaboration with Wells Fargo! Subject to credit approval. Call for details.

Details from Wells Fargo »


Microf, a leading financing company in the HVAC industry, and GAC Services provide you with flexible payment solutions for any HVAC installation or replacement project. Microf offers hassle-free financing for all your heating and cooling needs so you do not have to access your existing funding sources like your home equity line, credit card, or bank account.

Details from Microf >>

Interested in applying? Submit your application here and obtain an instant decision from Microf.

Why Finance Your HVAC Project?

There are many benefits when financing your HVAC project. When you need a new heating system or cooling system installed, you can trust GAC Services and Microf to provide you with flexible payment options. So, why should you finance your next in-home project?

  • No down payment required.
  • Limited declinations.
  • Quick response times
  • Multiple payment options.
  • Extensive contract term choices.
  • Flexible and affordable payment arrangements.

HVAC Installation & Replacements in Maryland

Our financing programs are available specifically for HVAC installations and replacements. Contact us to learn more about what payment option is best for you.


Join GAC's Prime Maintenance Membership

  • High-performance seasonal tune-ups
  • 20% discount on heating and cooling services
  • 10% off electrical repairs
  • Emergency service
  • Reduced diagnostic fee
  • And more!

Financing Options Available

At GAC, we understand how important a functioning HVAC system is for your home. This is why we offer flexible financing options to help you take care of your new HVAC purchase, so you can get back to taking care of what matters most to you.

Apply Online

Priority Maintenance

A well-maintained HVAC system can save you from having to invest in costly repairs down the road. Learn more about the priority maintenance services offered by GAC Services.

Learn More