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.

NEIF (National Energy Improvement Fund)

A national lender focused specifically on energy-efficiency home improvements, including HVAC. Often a good fit for higher-efficiency system upgrades.

Wisetack

Fast, straightforward point-of-sale financing with a simple approval process — a common fit for repairs and smaller-to-mid-size installs.

Synchrony

A widely-used consumer financing provider with flexible term options for larger system installs.

Frequently asked questions

Does applying affect my credit score?

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.

Can I get financing for a repair, not just a full install?

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.

Is there a minimum credit score required?

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.

Do you charge extra for financed jobs?

No — our pricing is the same whether you pay directly or finance through one of our partners.