Flexible Financing Options
Make your HVAC investment affordable with our flexible payment plans
Multiple Financing Options Available
We’ve partnered with leading lenders to offer flexible financing solutions. Choose the plan that works best for your budget.
Synchrony
As low as 0% APR
Terms: 12, 18, 24 months
- No prepayment penalties
- Quick online approval
- Deferred interest options
- Credit limits up to $55,000
Wells Fargo
From 6.99% APR
Terms: 12-60 months
- Fixed monthly payments
- No annual fees
- Flexible credit limits
- Fast approval process
GreenSky
Special promotional rates
Terms: 24, 36, 48 months
- Same-day approval available
- No down payment required
- Energy-efficient system incentives
- Easy online application
Down Payment Options
Quick Application
Approval Rate
See What Your Payments Could Look Like
Here are real examples of how our financing can make HVAC investments affordable with monthly payments that fit your budget.
New AC Installation
Total Project Cost: $5,500
12 months
$458/mo
0% APR
No Interest!24 months
$229/mo
0% APR
No Interest!36 months
$165/mo
6.99% APR
Furnace Replacement
Total Project Cost: $4,200
12 months
$350/mo
0% APR
No Interest!24 months
$175/mo
0% APR
No Interest!36 months
$126/mo
6.99% APR
Complete HVAC System
Total Project Cost: $12,000
24 months
$500/mo
0% APR
No Interest!36 months
$360/mo
6.99% APR
60 months
$240/mo
8.99% APR
Important Notice
Payment examples are estimates based on approved credit. Actual rates and terms may vary based on credit qualification. 0% APR promotional offers require on-time monthly payments. Subject to credit approval.
No Hidden Fees
What you see is what you pay
Flexible Terms
Choose what works for you
Quick Approval
Often same-day decisions
Secure Process
Your information is protected
Calculate Your Monthly Payment
Use our interactive calculator to estimate your monthly payments based on your project cost, down payment, and financing terms.
Your Estimated Monthly Payment
$208.33/mo
Payment Breakdown
*This calculator provides estimates only. Actual rates and terms may vary based on credit approval. All financing is subject to credit qualification.
4 Simple Steps to Financing
Our streamlined application process makes it easy to get approved and schedule your HVAC service quickly.
Choose Your Financing
Select from our multiple financing partners based on your needs and preferences.
Complete Application
Fill out our quick online application with basic personal and financial information.
Get Instant Decision
Receive approval decision within minutes. We work with multiple lenders for best approval odds.
Schedule Your Service
Once approved, schedule your HVAC installation or repair at your convenience.
Documents Needed
Have these items ready to speed up your application:
- Valid government-issued ID
- Proof of income (pay stubs or tax returns)
- Social Security Number
- Current address information
- Bank account details (optional)
Why Our Financing?
- ✓
High Approval Rate
We work with multiple lenders to maximize approval chances
- ✓
No Impact on Credit Score
Initial application is a soft credit check
- ✓
Flexible Options
Multiple term lengths and payment plans available
- ✓
Start Service Immediately
Get approved and schedule your service the same day
Financing Questions Answered
Have questions about our financing options? Find answers to the most common questions below.
We work with multiple financing partners who have varying credit requirements. While some of our 0% APR promotions require excellent credit (typically 700+), we have options available for a wide range of credit scores, including those with fair or limited credit history. Apply to see which options you qualify for.
Most applications receive an instant decision within minutes. In some cases, additional verification may be needed, which typically takes 1-2 business hours. We strive to make the process as quick and easy as possible so you can get your HVAC service scheduled without delay.
The initial application is a soft credit inquiry that does NOT impact your credit score. Only when you accept a financing offer and move forward will a hard inquiry be made. You can safely check your approval odds and rates without any negative effect on your credit.
Financing amounts typically range from $1,000 to $55,000, depending on the lender and your creditworthiness. Whether you need financing for a simple repair or a complete HVAC system replacement, we have options to fit your needs.
No! All of our financing options allow you to pay off your balance early without any prepayment penalties or fees. If you want to pay off your loan ahead of schedule, you can do so and save on interest charges.
We offer special 0% APR promotions for 12, 18, or 24 months (subject to credit approval). These offers require on-time monthly payments. If you pay off the balance within the promotional period, you pay ZERO interest. This is a great way to finance your HVAC investment interest-free.
Yes! Our financing can be used for AC installations, heating system replacements, repairs, maintenance plans, indoor air quality systems, ductless mini-splits, and more. If it is an HVAC service we offer, you can finance it.
If one lender declines your application, we can help you apply with one of our other financing partners. Each lender has different criteria, so you may still qualify through an alternative option. We are committed to helping you find a financing solution that works.
Once your financing is approved and activated, you will set up payment directly with the lender. Most offer convenient online payment portals, automatic payments, phone payments, and mail-in options. You will receive clear instructions on how to manage your account.
Absolutely! Financing can be approved quickly, often within minutes, making it ideal for unexpected emergency repairs. You do not have to wait until you have saved up the full amount—get your AC or heating fixed now and pay over time.
Still Have Questions?
Our team is here to help! Call us at (623) 887-5887 or send us a message and we will walk you through the financing process.
Ready to Get Started?
Apply now for financing and get your HVAC project started today. Fast approval, flexible terms, and competitive rates.
Instant Approval
Get a decision in minutes, not days
0% APR Available
Special promotional rates with approved credit
No Credit Impact
Soft inquiry will not affect your score
*Subject to credit approval. Terms and conditions apply. See financing partner for details.