Flexible Financing Options
Flexible Financing Options | HVAC Unit Replacement | Heating and Air Conditioning | La Follette
Replacing an aging system doesn’t have to put your comfort—or your budget—on hold. HEP’s flexible financing options let La Follette homeowners enjoy efficient, reliable heating and cooling today while spreading payments out in manageable monthly bites. Quick approvals, competitive rates, and multiple term lengths mean you can tailor a plan that fits your household without sacrificing the high-performance equipment you deserve.
Whether your current setup is driving up utility bills or simply can’t keep pace with Tennessee’s temperature swings, our certified technicians make the HVAC unit replacement process smooth from first estimate to final inspection. We remove your old equipment, install a new energy-saving system, and handle all paperwork for rebates and financing in one visit—so the only thing you notice is the instant comfort upgrade.
FAQs
What types of financing plans do you offer for HVAC unit replacement in La Follette?
We partner with several national and regional lenders to give La Follette homeowners choices such as 0%-interest promotional plans (usually 6–24 months), low-interest fixed-rate loans spread over 3–10 years, and deferred-payment plans that delay your first payment for up to 90 days. You can choose the option that best matches your monthly budget and long-term goals.
How do I know if I qualify for HVAC financing?
Qualification is based on a quick credit check, current income, and debt-to-income ratio. Most lenders look for a minimum credit score around 600, but we have secondary programs for customers with lower scores. Proof of income (recent pay stubs, tax returns, or Social Security statements) and a government-issued photo ID are typically all that is required. Our team submits the application for you and walks you through every step.
Will applying for financing hurt my credit score?
The initial pre-qualification uses a soft inquiry that does NOT affect your credit score. A hard inquiry is only performed if you accept the offer and move forward with the loan documents. Even then, most customers see no significant change in their credit score as long as payments are made on time.
How quickly can I get approved and schedule my HVAC installation?
Most applications are approved within minutes. Once approved, we can schedule your installation as soon as the next business day, subject to equipment availability. Because the lender pays us directly when the job is complete, you won’t need to wait for funds to be deposited in your account.
Can I still use utility rebates or manufacturer promotions if I finance my new system?
Absolutely. Financing pays for the remaining balance, while rebates and promotions simply lower the total amount you finance. We’ll file TVA EnergyRight and local utility rebate paperwork on your behalf and apply any manufacturer discounts up front so you maximize every dollar of savings.
Are there penalties or fees if I decide to pay off my loan early?
No. All of our financing partners offer loans with NO prepayment penalties. You can pay extra each month or pay the full balance at any time without additional fees, allowing you to reduce interest costs and own your new heating and air system free and clear sooner.