
Every plumbing professional has had this conversation: a homeowner needs a significant repair — a new water heater, a sewer line, a full repipe — and the right solution is clear, but the timing isn’t. They ask whether there’s a cheaper option. Sometimes there is. More often, the “cheaper” option is a patch that will need to be redone within a year or two, costing more in the long run.
All Masters Plumbing partnered with Synchrony to give our customers a third path: do the job right, on a repayment schedule that fits your household. Synchrony is one of the most established consumer finance companies in the country, with a long track record of supporting home improvement projects. Their role is to handle the financing; ours is to do the work properly.
1. Get your Estimate: We’ll assess the issue, walk you through what the repair involves, and provide a written estimate. No pressure, no upsells — just a clear picture of the work and what it costs.
2. Prequalify through Synchrony: If financing would help, you can prequalify online in a few minutes. Prequalification is a soft inquiry, which means it will not affect your credit score. You’ll see whether you’re likely to be approved and what options may be available to you before committing to anything.
3. Choose What Works for your Household: If you move forward, you’ll complete a full application with Synchrony directly. All terms, rates, and repayment details come from Synchrony — we don’t set them, and we don’t see your financial information. Once approved, we schedule the work on your timeline.
No. We provide financing information because some of our customers need it, and we’d rather make it available than have anyone feel pressured into a smaller repair than the situation calls for. If financing isn’t right for you, it doesn’t change anything about the service you’ll receive. Our estimates and recommendations don’t depend on how you pay.
Prequalifying with Synchrony uses a soft credit inquiry, which does not affect your credit score. You’ll be able to see whether you’re likely to qualify and what options are available before any hard inquiry takes place. If you later choose to move forward with a full application, Synchrony will clearly notify you before running a hard check.
Synchrony does — entirely. They review applications, set terms, issue the credit, and manage repayment. All Masters doesn’t see your financial information, doesn’t influence approval decisions, and doesn’t set rates. This separation is intentional. It protects your privacy and ensures that financing decisions are made by a regulated lender, not by your plumber.
Financing tends to make the most sense for larger installations and significant repairs — water heater replacements, repipes, sewer line work, major drain projects, and whole-home plumbing upgrades. Smaller service calls are usually paid directly. When we provide your estimate, we can tell you whether your specific project qualifies.
The cost of financing depends on the terms Synchrony offers you, which depend on factors like your credit profile and the amount financed. Synchrony provides full disclosures before you accept any offer, so you can see the total cost and decide whether it makes sense. We recommend reviewing those details carefully — financing is a tool, and like any tool, it works best when you understand exactly what you’re agreeing to.
If you’re weighing a repair and wondering whether financing might help, the most efficient starting point is usually an estimate — that way you know the scope and cost before exploring payment options. If you’d prefer to prequalify first, you can do that directly through Synchrony.
