Do you offer financing?

Call (713) 929-9595 and ask what is currently available. Programs and terms come from third party lenders and they change, so we give you the live answer over the phone instead of posting something here that may already be stale.

What credit score do I need?

That is set by the lender rather than by us, and it varies by program and by the amount financed. We cannot promise an approval or a rate on anyone's behalf. What we can do is tell you which programs we currently work with so you know what you are applying to.

Can I finance a repair rather than a full replacement?

It depends on the program and the amount, since some financing options have a minimum. Ask when you call and we will tell you what applies to the specific work you are considering rather than guessing at it in advance.

HVAC Financing and Payment Options

Financing and Payment Options

A system replacement is rarely a planned purchase. It usually happens in August, on a day that was already going badly, and the money was not set aside for it. This page explains how the financing side generally works so you can ask better questions, and it deliberately does not quote rates or terms.

Why there are no numbers on this page

Financing terms are set by lenders, not by us, and they change. They also depend on your credit and on the specific amount being financed, which means any rate printed on a web page is either out of date or does not apply to you. Publishing one would be misleading even if it was accurate on the day it was written.

Call (713) 929-9595 and ask what options are currently available. We are open 24 hours a day, seven days a week, and we will give you the current answer rather than an old one.

How HVAC financing generally works

In most cases the contractor is not the lender. Financing is arranged through a third party finance company, you submit an application, and approval and terms come back based on your credit profile and the amount. The contractor's role is presenting the option and completing the paperwork on the work being financed.

That is worth understanding for one reason above all: the approval decision and the terms are not something the contractor sets or can adjust for you. What we can do is tell you accurately what programs we currently work with and what the process looks like.

What to have ready when you ask

It moves faster if you already know roughly what you are financing. That means having the scope settled first: what equipment, what work, what total. Ask for that in writing before you talk numbers with any lender.

It also helps to know the monthly figure you can genuinely absorb, not the maximum you might be approved for. Those are different numbers and the second one has ended a lot of household budgets.

Paying without financing

Plenty of jobs never involve a lender at all, particularly repairs. Ask what payment methods we accept when you book so there is no scrambling at the end of the visit, and you will have the total in front of you before work starts either way.