Financing That Actually Works for You.
A new HVAC system is a big purchase. Multiple lenders, multiple terms, and same-as-cash for qualified buyers. We show you payment vs. out-of-pocket math and let you decide. Financing is offered, never pushed.
- Multiple lenders
- Same-as-cash available
- Soft credit check first
- No prepayment penalty
How it works
1. Free in-home estimate
A real tech walks your home and gives you written quotes, three options, side by side. You see the equipment, the brand, the warranty, and the total out-the-door price.
2. Soft credit check
Pre-qualify in minutes without affecting your credit score. We work with multiple lenders so you get real choices on rate and term, not a single take-it-or-leave-it offer.
3. Pick the option that fits
Same-as-cash for qualified buyers means you pay zero interest if paid within the promotional period. Longer terms spread the payment further. We'll show you the math both ways.
4. Install on your schedule
Once financing is approved, we install on your calendar, usually within a week. No waiting on paperwork, no extra fees, no penalty if you pay off early.
What we won't do
We've all heard horror stories about HVAC financing. High-pressure sales, mystery interest rates, and contracts you don't understand until it's too late. Here's what we don't do:
- We don't push you into financing if cash makes more sense for your situation.
- We don't bury fees in fine print. The interest rate, term, and total cost are on the contract you sign, not in a 30-page PDF.
- We don't get kickbacks that distort our recommendations. Our techs are paid on quality of work, not on what financing tier they sell.
- We don't tie financing approval to a more expensive system. The financing options are the same for every tier.
Tax credits & rebates
Federal tax credits and local utility rebates can offset a meaningful chunk of your install cost. We track current programs and apply eligible amounts to your written quote automatically.
Federal tax credits
The Inflation Reduction Act offers tax credits up to $2,000 on qualifying heat pumps and 30% on geothermal. Many of the systems we install qualify. Your accountant claims it on your return, we provide the paperwork.
CenterPoint Energy rebates
CenterPoint runs seasonal rebate programs for high-efficiency AC and heat pump installs in their service area. We track the active programs and apply them to your quote so you don't have to chase paperwork.