Flexible Financing
Flexible Financing | HVAC Unit Replacement | Heating and Air Conditioning | Greeneville
Need a new system but worried about the upfront cost? HEP makes HVAC unit replacement in Greeneville surprisingly easy with flexible financing plans that fit nearly any budget. Whether your heat pump is limping through winter or your AC can’t keep up with summer’s swelter, our NATE-certified technicians will guide you to the right high-efficiency equipment and explain every dollar of the process—no hidden fees, no guesswork.
Apply in minutes, choose convenient monthly payments, and enjoy whisper-quiet comfort as soon as tomorrow. With HEP, you’ll save on energy bills, boost your home’s resale value, and gain peace of mind through industry-leading warranties, all while keeping your hard-earned cash in the bank. Discover how effortless year-round comfort can be when Greeneville’s trusted team handles your HVAC unit replacement from start to finish.
FAQs
What financing programs are available for replacing my HVAC system in Greeneville?
We partner with several national and regional lenders to offer multiple financing plans, including 0% APR promotional plans up to 18 months, low-interest fixed-rate loans (starting at 6.99% APR), and longer-term options of 5–10 years with affordable monthly payments. We also accept the TVA EnergyRight® Residential Loan program for qualifying high-efficiency equipment installed in Greeneville.
How do I know if I’m eligible for HVAC financing?
Eligibility is primarily based on your credit profile and proof of income. Most lenders require a minimum credit score of 600, a debt-to-income ratio below 45%, and verifiable income such as pay stubs or tax returns. If your credit is limited, a qualified co-applicant can often help secure approval. We submit your application electronically and receive a decision within minutes.
Will I need to make a down payment or pay any upfront fees?
In most cases, no down payment is required—the loan can cover 100% of the equipment, labor, and any necessary ductwork or accessories. Some customers choose to make a small down payment to lower their monthly obligation, but it’s entirely optional. There are no application fees, origination fees, or pre-payment penalties with our preferred financing partners.
What interest rate and monthly payment should I expect?
Interest rates depend on your credit tier, chosen term length, and any promotional offers running at the time of purchase. As a guideline, a $9,000 system financed for 60 months at 9.99% APR would cost about $193 per month. If you qualify for our 12-month same-as-cash plan, you can pay no interest at all as long as the balance is cleared within the promo period.
Does the financing cover the entire project, including permits and new thermostats?
Yes. Your financing amount can include the complete turnkey installation—equipment, labor, permits, disposal of the old unit, upgraded thermostats, indoor air-quality accessories, and even extended warranties. We work with you to determine the total project cost before the loan is finalized so there are no surprise out-of-pocket expenses.
How fast can I be approved and get my new system installed?
Most applicants receive instant credit decisions—often in less than 60 seconds. Once approved, we can schedule your install as soon as the next business day, subject to equipment availability. Because Greeneville’s weather can be extreme, we prioritize financed replacement jobs to ensure you are never without heating or cooling for long.