Financing
Spread the cost. Keep the comfort.
A full HVAC replacement is a lot to absorb at once. Through our partner Hearth, most homeowners can pre-qualify in about 60 seconds with a soft credit pull, no impact on your score.
Soft credit pull
Pre-qualifying checks your rate without touching your credit score. Only a full application does a hard pull.
Fixed rates
Terms 3–12 years, fixed monthly payment. No variable-rate surprises.
No prepayment penalty
Pay off early if you want. Most of our customers do, once the loan's served its purpose.
How it works
Four steps, totally transparent.
- 1Pre-qualify60 seconds, soft pull. See the rate range and terms you'd qualify for.
- 2We quote the jobWritten estimate for the replacement. You decide if and how to fund it.
- 3Complete the loan applicationHard pull at this stage. Approval usually within minutes.
- 4We install, you pay HearthFunds go to us, your monthly payment goes to Hearth at the rate you locked in.
What qualifies?
- Full furnace, AC, heat pump, or matched-system replacements
- Ductless mini-split systems + multi-zone installs
- Major IAQ upgrades (whole-home purifier, humidifier) bundled with a replacement
- Heat pump conversions (often stacks nicely with the 25C federal tax credit)
Financing subject to credit approval through Hearth. Rates and terms vary.
No impact on credit
Ready to see your rate?
Sixty seconds, zero commitment, zero impact on your credit score.