HVAC Financing Options

Q: How does HVAC financing work?

Financing allows you to replace or repair your HVAC system now and spread the cost over time through affordable monthly payments — often with little to no interest. We partner with trusted financing providers such as Wells Fargo.

Q: Can I finance a new HVAC system and repairs?

Yes! Financing is available for full system replacements, major repairs, upgrades (like ductwork or air quality add-ons), and sometimes even maintenance plans. Just ask!

Q: Do I need great credit to qualify?

Not necessarily. Our financing partners offer a range of options for different credit scores — including solutions for homeowners with fair or rebuilding credit. To show you real offers with accurate monthly payments, a hard credit check is required. Most of our customers are approved in minutes and enjoy flexible terms with low or no interest!

Q: What interest rates are available?

We offer competitive rates, and many customers qualify for 0% interest for 18 months or other low-interest plans. Rates vary based on your credit and loan terms, so we’ll help you find the best fit. Also, our rates are typically lower than if you were to pay with most commonly used credit cards.

Q: Are there “no interest” or “same as cash” options?

Yes! We often have promotional offers like 0% interest if paid in full within 18 months. These are great if you’re planning to pay it off quickly. Another common plan is 5.9% APR with monthly payments up to 68 months.

Q: What loan terms are available?

Depending on your credit and the program, you can choose repayment terms from 12 to 60 months or more — whatever works best for your monthly budget.

Q: Can I pay off my financing early?

Absolutely! There are no prepayment penalties, so you can pay it off anytime without extra fees.

Q: Is a down payment required?

In many cases, no down payment is needed. Some plans may require a small initial payment depending on your credit and loan amount.

Q: How fast can I get approved?

Most financing applications are approved within minutes, and you can schedule your service right away once approved.

Q: When should I apply for financing?

It’s totally up to you! If you already know you want to finance your system and you’ve got our financing provider in mind, you can go ahead and apply now. Prefer to talk it over first? No problem — our techs can walk you through it during your appointment. Applications are quick, easy, and can be done on the spot.

Still Have Questions?