0% APR financing.
Decisions in 60 seconds
Don't let a broken AC or failing water heater wreck your month. Soft credit pull, instant pre-qualification, flexible terms - and we apply every rebate you qualify for on top.
Built for real Valley budgets
Soft credit pull
Pre-qualify without affecting your credit score. Real numbers, no surprises.
60-second decisions
Apply on your phone in our truck or at your kitchen table. Approvals in under a minute.
0% APR options
Promotional 0% APR for 12 or 18 months on most major projects over $1,500.
Flexible terms
From quick 6-month payoffs to 84-month low-fixed-rate plans for whole-home projects.
What it might cost you
Estimates only - actual terms depend on credit profile, lender, and current promotional offers. We'll quote your real numbers before you sign anything.
| Project | Sample monthly |
|---|---|
| $7,400 - New 3-ton 16 SEER2 AC system | $411 / mo (0% APR, 18 mo) |
| $1,950 - 50-gallon gas water heater | $108 / mo (0% APR, 18 mo) |
| $3,200 - 200-amp panel upgrade | $178 / mo (0% APR, 18 mo) |
| $11,500 - 5-ton variable-speed system | $192 / mo (60 mo, ~6.99% APR) |
Trusted, transparent lenders
Synchrony
0% APR for 18 months on purchases over $5,000
Wells Fargo
Reduced-rate fixed-payment plans up to 84 months
Service Finance
Soft credit pull, decisions in under 60 seconds
GreenSky
Promotional financing for energy-efficient upgrades
Financing FAQ
Don't see your question? Call us - we love this stuff.
What homeowners typically finance
0% APR for 18 months covers most major home upgrades. Here are the projects we finance most often.
New AC System
3-ton 16 SEER2 installs from $7,400 - about $411/mo at 0% APR.
Learn more PlumbingWhole-Home Repipe
PEX repipes finance into manageable monthly payments.
Learn more CommercialCommercial RTU & Chiller
Commercial mechanical projects qualify for term financing.
Learn more PMPreventative Maintenance
Spread tune-up plans into low monthly memberships.
Learn more AlternativeMaintenance Plans
Some homeowners prefer monthly memberships over a one-time loan.
Learn more SaveStack Specials
Some specials stack on top of financing - ask your tech.
Learn moreReady when you are
AC down? Plumbing leak?
Get a free estimate
Same-week appointments across the Valley · Honest diagnostics and a written estimate on every visit · Mon–Fri 7am–4pm · Closed Saturday & Sunday.