Flexible options
HVAC Financing
We work with three financing partners to help fit a repair or install into your budget — no high-pressure sales, just real options.
A national lender focused specifically on energy-efficiency home improvements, including HVAC. Often a good fit for higher-efficiency system upgrades.
Fast, straightforward point-of-sale financing with a simple approval process — a common fit for repairs and smaller-to-mid-size installs.
A widely-used consumer financing provider with flexible term options for larger system installs.
Frequently asked questions
This varies by lender and the type of check used. Ask about soft-check pre-qualification options when you apply — we can point you to the right starting point for each partner.
Depends on the amount and the lender — some partners are better suited to smaller repair amounts than others. We'll help match you to the right option based on the actual job.
Requirements vary by lender and aren't something we control or guarantee — the best way to know is to go through the application with your chosen partner directly.
No — our pricing is the same whether you pay directly or finance through one of our partners.
How the 0% actually works — and how rebates stack on top
The honest mechanics: 0% promotional financing on qualifying new systems runs through our named partners — NEIF for energy-improvement lending, Wisetack for fast point-of-sale terms, Synchrony for revolving promotional plans — with approval decisions in minutes, not weeks, and terms shown plainly before you sign anything. No prepayment penalties on the programs we offer, and no financing markup hidden in the equipment price; the cash quote and the financed quote start from the same number. Rebates stack separately: federal tax credits, TECH Clean California incentives, and utility programs apply on qualifying heat pump and heat pump water heater projects, and we handle that paperwork as part of the job. The combination — today's rates on the loan, someone else's money on the rebate — is what makes conversion math work for a lot of households; we'll run yours with real numbers.