Same-day Financing
Same-day Financing | HVAC Unit Replacement | Heating and Air Conditioning | Cowan
When the Cowan climate swings from sticky summer heat to bone-chilling winter nights, you need comfort that never skips a beat. HEP’s certified technicians specialize in fast, stress-free HVAC unit replacement, arriving with fully stocked trucks and the know-how to swap out failing systems the very same day you call. Our hassle-free financing options—often approved on the spot—mean you can enjoy a quieter, more efficient unit today and pay over time without derailing your budget.
From precision load calculations to meticulous installation, we handle every detail while you relax. You’ll get transparent pricing, industry-leading warranties, and the peace of mind that comes from partnering with Cowan’s most trusted home-service team. Ready to breathe easier? Schedule your HVAC unit replacement now and feel the HEP difference before the next forecast hits.
FAQs
What does “same-day financing” for HVAC replacement in Cowan mean?
Same-day financing means you can apply for and receive a financing decision on the very day you schedule your HVAC unit replacement. Once approved, your new system can be installed immediately, and you can spread the cost over manageable monthly payments instead of paying the full amount up front.
Who is eligible for HVAC financing and what credit score is required?
Most homeowners in Cowan with a verifiable source of income can apply. While credit requirements vary by lender, many of our partners approve customers with scores as low as 580, and some offer options for those with little or no credit history. We also have special programs for military families, seniors, and first-time homebuyers.
How fast can I get my new heating and air conditioning system installed?
If you call before noon, we can typically perform an on-site assessment, secure financing approval, and complete the replacement the same day. For afternoon calls, installation is usually completed the next business day. Emergency services are available 24/7 for critical situations.
What interest rates and payment terms are available?
Rates start as low as 0% APR on promotional plans for qualified buyers, with standard rates ranging from 5.99% to 14.99% depending on credit profile and loan term. Payment plans span 12 to 120 months, allowing you to choose a schedule that fits your budget. There are no prepayment penalties, so you can pay off early and save on interest.
Does the financing cover all costs associated with HVAC replacement?
Yes. Financing can include the cost of the new unit, labor, permits, removal of the old system, and any required ductwork modifications. Optional add-ons—such as smart thermostats, indoor air quality upgrades, or extended warranties—can also be rolled into the same financing package if desired.
What warranties and maintenance plans come with my new system?
Every replacement unit includes a manufacturer’s parts warranty (typically 10 years) and our own labor warranty (up to 2 years). You can extend coverage to 12 years parts and labor through our Premium Protection Plan. We also offer discounted annual maintenance agreements that keep your system running efficiently and are eligible for financing at the time of installation.