Flexible Financing
Flexible Financing | HVAC Unit Replacement | Heating and Air Conditioning | Kelso
When Kelsoâs chill mornings turn into humid afternoons, you canât afford to gamble on an aging system. HEPâs flexible financing options make upgrading simple, letting you spread the cost of an HVAC unit replacement over comfortable monthly payments while enjoying dependable heating and air conditioning right away. With quick approvals and transparent terms, you keep more cash on hand for the things you loveâwithout sacrificing indoor comfort.
Our local, factory-trained technicians handle every install with precision, optimizing airflow, energy efficiency, and smart-home integration so your new system starts saving you money from day one. Plus, HEP backs every project with honest advice and industry-leading warranties, giving Kelso homeowners total peace of mind.
Ready to breathe cleaner air, slash utility bills, and forget about costly breakdowns? Reach out to HEP today, and experience how convenientâand affordableâyour HVAC unit replacement can be.
FAQs
What financing plans do you offer for HVAC unit replacement in Kelso?
We partner with several national and regional lenders to give Kelso homeowners multiple choices: 1) zero-interest âsame-as-cashâ plans for 6â18 months, 2) low-interest fixed-rate loans (typically 5â9.99 % APR) for 36â120 months, and 3) deferred-payment options that let you postpone your first payment for up to 90 days. You choose the structure that best matches your budget and long-term goals.
Who is eligible to apply for flexible HVAC financing?
Eligibility is broadâany Kelso homeowner over 18 with a verifiable income can apply. Most lenders look for a minimum credit score around 600, but we also have programs geared toward customers with limited or challenged credit. Renters generally need the property ownerâs authorization, and businesses can qualify through our commercial lending partners.
How do I start the application process and how long does approval take?
You can apply in person, over the phone, or through our secure online portal. The form asks for basic personal details, employment information, estimated project cost, and permission for a soft credit inquiry. Many applicants receive an instant decision; complex applications are usually finalized within 1â2 business days. Once approved, we schedule installation immediately and the lender pays us directly, so you never have to write a large up-front check.
What will my monthly payment and interest rate be?
Monthly payments depend on the total system cost, down payment (if any), loan term, and credit profile. To give you a ballpark: a $10,000 system financed over 60 months at 6.99 % APR is about $198 per month; a promotional 12-month no-interest plan would be roughly $833 per month if paid off within the promo window. We provide a full amortization schedule before you sign so you can see exactly how much youâll pay over time.
Can I include ductwork, smart thermostats, or air-quality upgrades in the same loan?
Yes. The financing covers any items that are part of the HVAC project: new ductwork, zoning dampers, smart or Wi-Fi thermostats, air purifiers, humidifiers, or even insulation improvements that improve system efficiency. Bundling everything into one loan keeps your payments simple and may qualify the entire project for promotional rates.
Are there local incentives or rebates I can stack with financing?
Absolutely. Cowlitz PUD and Energy Trust of Oregon (for nearby Oregon customers) often offer rebates for high-efficiency heat pumps, gas furnaces, and duct sealing. Federal tax credits under the Inflation Reduction Act can add up to $2,000 for qualifying heat pumps or 30 % of project cost for geothermal systems. We complete the paperwork and apply the rebate as a direct discount or let you use it as an early principal paymentâwhichever saves you more in interest.