Flexible Financing
Flexible Financing | HVAC Unit Replacement | Heating and Air Conditioning | Collegedale
Feel your Collegedale home breathe easier with HEP’s flexible financing options that put year-round comfort within reach. Instead of wrestling with an aging system and soaring energy bills, you can schedule an HVAC unit replacement today and spread the cost over convenient monthly payments. Our financing partners offer swift approvals, competitive rates, and zero hidden fees, so you can invest in efficiency without draining your savings.
From the first consultation to the final thermostat test, HEP’s certified technicians handle everything—removal of your old equipment, precise installation of a high-performance system, and thorough cleanup. You’ll enjoy quieter operation, healthier indoor air, and lower utility costs starting day one, all backed by industry-leading warranties and our 100% satisfaction guarantee.
Whether your furnace falters in January or your A/C fails mid-July, HEP responds quickly with same-day service windows and transparent pricing. Let us tailor a financing plan that matches your budget and lifestyle, and discover how effortless an HVAC unit replacement can be.
FAQs
What financing options are available for an HVAC unit replacement in Collegedale?
We partner with multiple national lenders, including Synchrony, Wells Fargo, and GreenSky, to offer a range of plans—from 0% interest promotions (typically 6–18 months) to low-APR terms that can be stretched over 60–120 months. You can choose between deferred-interest, fixed-payment, or reduced-rate programs, allowing you to tailor monthly payments to your budget.
Who is eligible to apply for flexible HVAC financing and what credit score is required?
Most homeowners, landlords, and small-business owners with a valid U.S. photo ID and Social Security number can apply. Lenders generally look for a minimum credit score of 600, but co-applicants, income verification, or secured plans can help customers with lower scores qualify. Veterans and active-duty military may also access special programs with relaxed requirements.
How does the application and approval process work?
The entire process is digital and usually takes less than 10 minutes. After our comfort consultant provides an on-site quote, you receive a secure link to the lender’s application. You’ll enter basic personal, employment, and housing information; a soft credit pull is performed so applying will not affect your credit score. Most applicants get an instant decision, and funds are released directly to us so installation can often begin the next business day.
Does financing cover the full cost of the new system, including labor and permits?
Yes. Approved financing can be applied to every project component: the indoor and outdoor units, duct modifications, refrigerant line sets, smart thermostats, labor, permits, and even optional add-ons like air purifiers or zoning dampers. If you decide to purchase an extended labor warranty, that amount may also be rolled into your loan so you have one predictable monthly payment.
Are there incentives or rebates I can combine with financing?
Absolutely. Collegedale residents served by EPB or Volunteer Energy Cooperative may qualify for TVA EnergyRight rebates (up to $1,500) on high-efficiency heat pumps. In addition, the federal Inflation Reduction Act offers a 30% tax credit—capped at $2,000—for qualifying heat-pump installations. These savings can be applied as a down-payment or simply reduce the financed amount, shrinking your monthly bill.
Can I pay off my HVAC financing early without penalties?
Yes. All of our lending partners allow early or extra payments at any time without pre-payment penalties or hidden fees. Paying off early saves you interest and shortens the loan term, so you stay in control of your budget throughout the life of the system.