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 2714 reviews
Posted on Google![]()
Megan HendricksTrustindex verifies that the original source of the review is Google.
Very helpful! Showed me a reusable filter I had no idea I was supposed to be cleaning.Posted on Google![]()
Joshua LongoTrustindex verifies that the original source of the review is Google.
Gino was amazing and knowledgeable.Posted on Google![]()
Stephen BullockTrustindex verifies that the original source of the review is Google.
Gino was incredibly thorough, going above and beyond to ensure we understand what he was doing and the steps we could take to prolong the life of our AC. Excellent work 😃Posted on Google![]()
David JohnsonTrustindex verifies that the original source of the review is Google.
I scheduled a winter checkup with Ray O. Cook to ensure my heater was functioning for the Fall/Winter season. It was easy to schedule and I was able to get an appointment the next day. The service technician, Patrick arrived within the two hour timeframe he was scheduled. I have a prepaid maintenance plan so there was no further charge for this service. Patrick did identify a problem with soldering that was wearing out on a circuit board. It didn't need to be replaced at this time, but may eventually fail. I recommend having Ray O. Cook inspect you A/C and heating system to ensure it's maintained properly. Their technicians are well qualified and their prices are competitive.Posted on Google![]()
Kirk StenroosTrustindex verifies that the original source of the review is Google.
Well, personable, thorough, smiled, efficient, answers questions like a person with no attempt to impress you with knowledge, just answers, perfect.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.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
