A new HVAC system is a 10-15 year investment in your home. We work with multiple financing partners so most homeowners can get approved for 12 to 120-month terms with $0 down on qualifying credit. No 3-week wait - decisions usually come back in minutes.
CAC 1822449 · Fully insured through SUNZ
Andy & Alex Schwartz, brothers since day one
Most repairs handled the day you call
Honest pricing 24/7, even on weekends
We'll match you to the best option based on your credit profile and the size of your project. No hard pull just to see options.
Pay nothing for the first 12 to 24 months. Pay the full balance before the promo ends and you owe zero interest. Great if you have a planned event (tax refund, bonus) inside that window.
Spread the cost over 60, 84, or 120 months. Predictable fixed rate, never goes up. Most popular for full system replacements - the monthly payment is often less than your current power bill savings.
Paying cash or check up front? We pass our financing-fee savings back to you. We'll quote both pay-in-full and finance options so you can pick what works.
When we give you a quote on a new system, we'll send a financing application link via text. The application takes about 90 seconds - you fill in basic info, the lender soft-pulls your credit (does NOT affect your score), and a decision comes back in 1-3 minutes.
If you're approved, we lock in your rate and schedule the install. If you're not, we still have other options. We never charge a fee for the application or the financing itself - that's between you and the lender.
No. The initial application uses a soft pull which does NOT affect your credit score. Only if you proceed with funding does the lender do a hard pull (and that's standard for any loan).
No. We work with prime lenders for the best rates AND with sub-prime lenders for customers with bruised credit. Almost everyone qualifies for some option - we just have to find the right match.
For a $7,500 full AC replacement on a 10-year fixed-rate loan, you're looking at roughly $90-$120/month depending on rate. We'll give you exact numbers in your quote - no estimates.
Yes - any repair over $1,500 qualifies for our financing options. Smaller repairs we usually recommend you just put on a credit card if needed - the math works out better.
Not on our side. We do not mark up financing or charge an origination fee. The lender may have closing costs which they'll disclose up front - we'll review the document with you before you sign anything.
