Convenient Financing Options
Convenient Financing Options | HVAC Unit Replacement | Heating and Air Conditioning | New Tazewell
Need a new comfort system but worried about the up-front cost? HEP makes “out with the old, in with the new” surprisingly stress-free for New Tazewell homeowners. Our convenient financing plans let you spread payments over time, often with low monthly installments, competitive interest rates, and quick approvals—so you can upgrade to a high-efficiency system today and start saving on utility bills tomorrow.
Whether your current unit is on its last leg or you simply want greater comfort and reliability, our team streamlines the HVAC unit replacement process from estimate to installation. We handle everything: sizing the perfect system for your home, filing warranty paperwork, and guiding you through financing options that fit your budget. With HEP, you don’t have to sacrifice comfort or drain your savings—just pick the plan that works, breathe easier, and enjoy year-round peace of mind.
FAQs
What financing plans do you offer for HVAC replacement in New Tazewell?
We partner with several national and local lenders to provide flexible installment loans, revolving credit lines, and same-as-cash promotions specifically for heating and air conditioning upgrades. Terms range from 6 months to 120 months, with fixed APR options as low as 6.99 % and deferred-interest plans (0 % if paid in full) for 12 or 18 months. You can choose the monthly payment and term that best fit your budget, and there are no penalties for early payoff.
How do I qualify for financing and what credit score do I need?
Most lenders look for a minimum credit score in the mid-600s, but we also have second-look programs for homeowners with limited or challenged credit. Approval is based on a combination of credit history, income, and debt-to-income ratio. If your score is lower, adding a co-applicant or selecting a shorter term can increase the chances of approval. Our team will pre-qualify you in minutes without affecting your credit score, so you know where you stand before you commit.
What is the application process and how long does approval take?
The entire process is digital and can be completed on a tablet in your home or from your smartphone. You’ll fill out a short form that includes basic personal information, employment details, and the estimated project cost. Most customers receive an instant credit decision within 60 seconds. Once approved, you electronically sign the loan documents, and we schedule installation right away—often as soon as the next business day.
Are there promotional zero-interest or deferred-interest options available?
Yes. We frequently run 0 % APR promotions for 12, 18, or 24 months on qualifying equipment packages. With deferred-interest offers, you pay no interest as long as the balance is paid in full within the promotional window. If a balance remains after the promo period, the interest accrues at the contract rate from the purchase date, so we’ll help you pick a plan that you can comfortably pay off on time.
Can I include installation costs, ductwork, or accessories in the financing amount?
Absolutely. Your financing can cover the complete project cost: the new HVAC unit, labor, disposal of the old system, duct modifications, smart thermostats, air purifiers, and even extended service agreements. There is no need for multiple loans or out-of-pocket add-ons—just one manageable monthly payment.
Will financing my new system affect manufacturer warranties or rebates?
No. Financing is simply a payment method and does not change the factory warranty terms or your eligibility for utility or manufacturer rebates. In fact, many rebates require professional installation, which our financing covers. Once your system is installed, you’ll receive full warranty registration and any applicable rebate paperwork, regardless of whether you paid cash or financed.