Financing
What it costs per month, not just the sticker
Nobody plans for a $10,000 furnace in the middle of January. Here are the actual numbers, with the terms written out.
Monthly payment examples
Estimated payments at 9.99% APR for approved credit. Your rate depends on credit and term. These are illustrations, not an offer.
| Job | Installed price | 60 months | 120 months |
|---|---|---|---|
| Furnace replacement | $6,000 | $116/mo | $71/mo |
| Central AC replacement | $8,000 | $155/mo | $95/mo |
| Full system (furnace + AC) | $11,500 | $223/mo | $137/mo |
| Cold-climate heat pump system | $15,000 | $291/mo | $178/mo |
Most chosen
0% for 18 months
No interest if paid in full within 18 months, on qualifying high-efficiency equipment. Good if you have the money coming — a tax refund, a bonus — but not today. Miss the window and deferred interest applies, so we'll tell you the payoff date in writing.
Fixed monthly, 60–120 months
A regular installment loan, rates from 7.99% to 14.99% depending on credit. No prepayment penalty, ever. Longest term keeps the payment near a phone bill; shortest term costs you far less overall.
Cash, check or card
We take check and cash with no fee, and cards with the standard processing fee passed through at cost. Half down at scheduling, balance when the job passes inspection. We never ask for the full amount before work starts.
How applying works
- Get the estimate first. You should know the real number before you finance anything. The estimate is free and there's no credit check to get one.
- Apply in about five minutes on your phone or with our office by voice. It's a soft pull for pre-qualification.
- Decision usually same day. You see the rate, the term, and the monthly payment before you accept anything.
- We schedule the install. Funds go straight from the lender to us when the job is complete.
Things we'd want you to know
- Rebates and the federal 25C tax credit reduce your real cost after the fact. We hand you the paperwork and AHRI certificates; we don't build them into the quote.
- If a repair makes more sense than financing a replacement, we'll tell you that even though it's a smaller ticket for us.
- Financing is never a condition of our pricing. The cash price and the financed price are the same price.
- We don't do high-pressure "today only" discounts. The quote is good for 30 days, written on paper.
Financing provided through third-party lenders for qualified buyers. Rates, terms and promotional offers subject to credit approval and may change. Payment examples assume 9.99% APR with no down payment and are for illustration only. This is a fictional business created as a portfolio demonstration.
Get the number first
Free in-home estimate, written scope, no obligation. Then decide how you want to pay for it.