HVAC Financing & Rebates
HVAC Services to Fit Your Budget
At Ray O. Cook Heating & Air, we understand replacement heating equipment and AC repairs can be expensive. Our team believes that a comfortable household should be accessible to everyone. That’s why we’re committed to offering our clients a range of financing options and rebates. Many times, you can’t anticipate an air conditioning breakdown. But you can expect reasonable rates and easy-to-navigate financing plans from our team.
DID YOU KNOW YOU CAN GET AN HVAC SYSTEM REPLACEMENT QUOTE ONLINE?
ANSWER FIVE-QUICK QUESTIONS FOR YOUR FREE REPLACEMENT ESTIMATE. NO OBLIGATION.
HAVC System Financing
Don't let budget concerns stand in the way of your family's comfort. Ray O. Cook Heating & Air is proud to offer financing through Synchrony, giving homeowners a convenient way to invest in heating and cooling solutions with manageable monthly payments.
Enjoy Comfort Now and Pay Over Time
- Flexible payment options designed to fit a variety of budgets
- Secure online account management and bill pay
- Quick and easy application process with fast credit decisions
*Subject to credit approval. Financing options vary based on purchase amount and promotional availability.
LOCAL SMUD & PG&E REBATES
We offer a plethora of rebates for a new heating and cooling equipment and services. Take advantage of the savings through the SMUD High-Efficiency Air Conditioning Program or ask about earning up to $4,300 in PG&E rebates.
We want to ensure you get the reliable HVAC system you need, so don’t hesitate to inquire about one or more of these offerings.
Ray O. Cook Heating & Air is committed to providing quality heating and cooling services throughout the year. Whether you need a minor furnace repair or an extensive retrofit, we can help. We’ve been in business since 1947, and in that time, we’ve developed a reputation for top-notch customer service and honest pricing. Be sure to ask us about financing options and rebates. We want to make your heating and cooling work as affordably as possible.
Hear From Our Happy Customers
EXCELLENT Based on 2711 reviews Posted on Google Don PanecTrustindex verifies that the original source of the review is Google. My wife, Susan, and I were extremely satisfied with the professional service, attention to detail and expertise that Gino, the certified service technician from Ray O. Cook Heating and Air displayed on our service call August 4, 2026. Gino was courteous, on time, hard working and took pride in being able to thoroughly inspect and recommend needed repairs to the 4 HVac systems that provide cooling to our home. We were especially surprised to learn that Gino treats each customer’s home as if it were his own home or his mother’s home and provides a high level of service and attention to detail in all that he does. By the end of the day, after Gino had completed servicing on all 4 of our systems, Susan and I had no reservations about signing up to be Ray O Cook Service Club members and have our HVAC and Heating units routinely serviced per their annual contract. We feel very fortunate to have discovered this amazing company.Posted on Google Robert BoehmTrustindex verifies that the original source of the review is Google. Gino was professional, personable, and experienced! He took his time to diagnosis and assess what was occurring in addition to hearing my concerns about the problem before acting.Posted on Google Julie PetersonTrustindex verifies that the original source of the review is Google. Gino was prompt, polite and professional. He was very thorough and informative. Everything he suggested was based on photos and evidence he shared with us.Posted on Google Norman AshcraftTrustindex verifies that the original source of the review is Google. Gino. Many thanks for an excellent service call.. The results will be very beneficial to our air conditioning system for many years. NormanPosted on Google Eva McKenzieTrustindex verifies that the original source of the review is Google. Gino Was thorough, professional and explained everything in a clear manner Including the current status of the system and the cost for duct replacement. Cannot say enough positive about the quality of his work and his customer relations.Posted on Google Art McmahanTrustindex verifies that the original source of the review is Google. We recently had our 22 year old Rheem air conditioner/heater replaced by Ray O. Cook Heating & Air Co. The crew respond on time and did an excellent job of removing our old system & installing a new Rheem 17 Seer A/C & furnace. The crew consisted of three men (Brett, Dave & Rick). They were all very friendly, professional & helpful in answering my numerous questions. Danny in sales & the lady that set up the appointment were also very friendly & helpful. We highly recommend this company. We had our HVAC system serviced by Technician Gene Holden on July 20th 2026 and he was very professional and did a very thorough job. We were very impressed with his knowledge and communication skills.Posted on Google YvonneMarie WilliamsTrustindex verifies that the original source of the review is Google. Gino was very thorough and friendly. He explained the issues with our HVAC and even the stuff wrong we didn't know about! He made everything very easy to understand and we feel confident going forward with this company.Posted on Google Vivian RiceTrustindex verifies that the original source of the review is Google. Michael is very knowledgeable. He explains everything that we need to do, to better the function of our AC. Very polite and very respectful guy. I can recommend this company if you need help. They act fast and on time. GOOD JOB MICHAEL. Thank you👍🏽Posted on Google Sally DiPuccioTrustindex verifies that the original source of the review is Google. Can’t say enough good things about my experience with this company and with our technician Geno. Our thermostat went out on an extremely hot day and Geno came out promptly and went over our whole system and meticulously detailed via photos and video the current status of our system. There definitely was no sales pressure and safety was prioritized. I was so impressed I signed up for their maintenance contract and feel better by doing so! Thank you Geno!Verified by TrustindexTrustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
