Soft credit pull, no score impact
A new system from $89 a month
Replacing a system is the biggest bill most homeowners face on their house. Spreading it should not require a second conversation you dread.
Pick the shape that suits you
Illustrative payments on a $8,500 system with nothing down, subject to approval. Your actual rate and payment depend on the amount and your credit.
5 years
$168/mo
60 months · $0 down
Lowest total cost
10 years
Most chosen$89/mo
120 months · $0 down
Lowest monthly payment
7 years
$124/mo
84 months · $0 down
Balanced
60 seconds
That is how long pre-qualification takes.
No score impact
Soft credit pull. Nothing appears on your report.
No early payoff fee
Clear the balance whenever you like.
Financing is provided by third-party lenders and all offers are subject to credit approval. Rates, terms and the payments shown above are illustrative and will vary by amount financed, term and creditworthiness. Confirm final figures before signing anything.
Financing questions
Will checking affect my credit score?
No. Pre-qualification is a soft credit pull, which does not appear as an inquiry on your report and does not affect your score. Only if you accept an offer and proceed does a hard pull happen.
How long does approval take?
About 60 seconds for pre-qualification. Full approval is usually same day, and we can complete it during the estimate visit if you want to move quickly.
What credit score do I need?
There are options across a wide range of scores, including plans designed for scores under 640. Pre-qualifying costs nothing and tells you exactly where you stand.
Is there a penalty for paying it off early?
No. You can pay the balance at any point without a prepayment penalty.
Can I finance a repair, not just a replacement?
Yes, on repairs above $1,000. Below that, most people find the flat repair price manageable, and we would rather not put you into a payment plan you do not need.
What happens if I move house?
The finance agreement stays with you, not the property. Plenty of people fold the remaining balance into their sale. Talk to us and we will explain the options for your situation.
Your AC quit. Cold air by tonight.
Two ways to start. Pick whichever suits the state you are in right now.
We call back within 30 minutes during business hours. Licensed H3-XXXXX.