Flexible Financing
Flexible Financing | HVAC Unit Replacement | Heating and Air Conditioning | Bean Station
When the Tennessee seasons swing from humid summers to frosty winters, a dependable comfort system isn’t a luxury—it’s a necessity. HEP’s flexible financing plans make upgrading simple, so you can enjoy a quieter, more efficient home in Bean Station without emptying your wallet. Our local technicians handle everything from load calculations and equipment selection to meticulous installation, all scheduled around your busy life. With low-interest options, no-money-down choices, and quick approvals, you’ll discover that the path to a new system can be as comfortable as the air it delivers.
Choosing an HVAC unit replacement through HEP means more than swapping out old equipment—it’s investing in energy savings, improved indoor air quality, and peace of mind backed by 24/7 support. Whether your current unit is limping along or has stopped altogether, we’ll guide you through every financing detail and register all manufacturer warranties on your behalf. Let us show you how easy it can be to breathe better, live better, and save more—right here in Bean Station.
FAQs
Does Bean Station Heating & Air really offer financing for a full HVAC replacement?
Yes. We partner with trusted lenders such as Wells Fargo, Synchrony and TVA EnergyRight to provide several financing plans that let Bean Station homeowners replace their complete heating and air-conditioning system with little—or even no—money down.
What kinds of financing terms and interest rates are available?
Depending on credit approval, you can choose from 0 % interest for 12 months, low-interest options spread over 36–72 months, or extended plans up to 120 months with fixed monthly payments. There are no pre-payment penalties, and most plans allow you to add the payment to your budget for as little as $75–$150 per month.
Who is eligible for HVAC financing in Bean Station and what credit score do I need?
Most residents with a valid U.S. photo ID, proof of income, and a minimum credit score in the mid-600s can qualify instantly. Some programs accept lower scores or use alternative data such as utility-bill payment history. We also have co-signer and second-look financing available for customers rebuilding credit.
Will the financing cover everything—equipment, installation and permits?
Absolutely. Your financing line can include the new indoor and outdoor units, duct modifications, electrical upgrades, smart thermostat, labor, permits, disposal fees, and even an extended parts-and-labor warranty. The amount you finance simply equals the final turnkey quote, so you avoid up-front surprises.
How do I apply and how long does approval take?
You can apply in three ways: online through our secure portal, over the phone with one of our Comfort Advisors, or in person during your free in-home estimate. The application is a soft credit pull that takes about 60 seconds, and most customers receive an approval decision immediately. Funding is released the same day we schedule your installation.
Does financing affect my manufacturer or labor warranties?
Not at all. Financing is strictly a payment method and has no impact on your 10-year manufacturer parts warranty or our 2-year labor warranty. In fact, choosing financing allows you to invest in higher-efficiency equipment that often qualifies for longer warranty protection and Bean Station utility rebates.