Financing

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Upgrading your comfort doesn’t have to hit your wallet all at once. With our flexible financing, you can roll the cost of a new furnace, A/C, or heat pump into easy monthly payments. Choose a short “same‑as‑cash” plan or stretch it out with a low‑APR option, start saving on energy right away, and stack any available rebates to shrink the overall price tag. We’ll guide you through the quick, approval so you can invest in comfort now and pay over time.

  • Most offer 0 % promotional “same‑as‑cash” plans for 6–18 months, fixed‑rate term loans (3–10 years) with predictable monthly payments, and revolving credit lines you can reuse for future upgrades. Your best fit depends on how quickly you want to pay the balance and whether you’d rather lock in a low APR or take advantage of short‑term no‑interest deals.

  • Approval is typically based on your FICO score, income, and debt‑to‑income ratio. Most HVAC lenders can pre‑qualify you with a soft credit pull (no impact on your score) in under two minutes; a hard inquiry happens only if you accept the loan. Scores of 620 + usually unlock promotional rates, while 700 + opens the door to the best 0 % options. Adding a co‑applicant or opting for a secured loan can help if your credit is still growing.

  • Absolutely.  Financing covers the upfront cost, while utility rebates, state incentives, and the federal Energy‑Efficient Home Improvement Tax Credit lower the total you owe.

    Apply any cash‑back or tax refund to your principal early to cut interest and shorten the payoff period. Just be sure to keep all invoices and rebate paperwork for your lender—and consult a tax professional to capture every credit correctly.