Same-day Financing
Same-day Financing | HVAC Unit Replacement | Heating and Air Conditioning | Chattanooga
When the Tennessee sun is blazing or a sudden cold snap rolls through Chattanooga, the last thing you need is a faltering heating or cooling system. HEP’s certified technicians arrive fast, assess your setup with precision, and offer transparent recommendations for an HVAC unit replacement that fits both your home and your budget. Because we partner with trusted manufacturers, you gain energy-efficient options that can slash utility costs and keep every room consistently comfortable.
Worried about upfront expenses? Our same-day financing means you can approve the work in the morning and enjoy a freshly installed system by evening—often without a single payment due that day. From friendly scheduling staff to meticulous cleanup after installation, HEP makes the entire experience hassle-free, giving Chattanooga homeowners the reliable climate control they deserve all year long.
FAQs
What does “same-day financing” mean for an HVAC unit replacement in Chattanooga?
Same-day financing means that you can apply, receive a credit decision, and lock in your payment plan on the very same day you call us for your heating or air-conditioning replacement. There is no need to visit a bank or wait several business days—our lending partners process the application electronically, typically giving you an approval within 10–15 minutes. Once approved, we can schedule your installation immediately and you will not make your first payment until 30–45 days after the job is completed, depending on the program you select.
What financing programs are available for homeowners in the Chattanooga area?
We work with multiple lenders to offer a range of options that fit different budgets and credit profiles. Choices include 0% APR plans for 6, 12, or 18 months, low fixed-rate loans spread over 5–10 years, and deferred-interest “same-as-cash” promotions. You can finance the full cost of the equipment, labor, and even ancillary items such as ductwork or system accessories. There are no prepayment penalties, so you can pay off the balance early if you like.
How soon can my new HVAC system be installed once financing is approved?
In most cases we can install your new unit the next business day, and often the very same day if your approval is finalized before noon. Because we maintain local warehouse stock of the most common furnace, heat pump, and air-conditioning models, we do not have to wait for factory shipments. Our certified technicians arrive with all equipment, remove the old system, set the new unit, test for proper airflow and refrigerant charge, and haul away debris—usually in 4–8 hours, depending on system size.
Do I need perfect credit to be approved for same-day HVAC financing?
No. While prime-rate plans are aimed at customers with credit scores of 680 and above, we also offer secondary programs for scores as low as 550. These plans typically feature slightly higher interest rates or shorter terms, but they still allow you to replace an unsafe or inefficient system without an upfront cash outlay. If you are rebuilding credit, you may also add a co-applicant to improve approval odds.
Are there rebates or tax incentives available when I replace my HVAC system in Chattanooga?
Yes. TVA’s EnergyRight program often provides $150–$500 rebates for qualifying high-efficiency heat pumps. In addition, the federal Inflation Reduction Act (2023) offers up to a $2,000 tax credit on qualifying heat pumps and up to $600 on advanced air conditioners and furnaces. Our comfort consultants will identify eligible models, prepare the rebate paperwork, and supply the manufacturer documents you will need for your federal tax filing.
What information should I have ready before I apply for HVAC financing?
The application is simple—just have a state-issued photo ID, your Social Security number, and basic income information (recent paystub, W-2, or benefit statement). If you are a homeowner in Hamilton, Bradley, or Walker County, you may also be asked for proof of residence such as a utility bill. The entire process is completed digitally on a tablet or your smartphone, and you will receive electronic copies of all loan disclosures for your records.