Multiple Financing Options
Multiple Financing Options | HVAC Unit Replacement | Heating and Air Conditioning | Newcomb
When the sweltering summers or chilly mountain nights in Newcomb push your aging system past its limits, HEP makes stepping into reliable comfort easier than ever. Our multiple financing options remove the upfront cost barrier of an HVAC unit replacement, offering low-interest plans, zero-down promotions, and quick approvals that fit a wide range of credit profiles. You choose the terms, we handle the paperwork, and your home gets a high-efficiency system that can slash utility bills from day one.
From expert load calculations to flawless installation, every step is backed by HEP’s local reputation for craftsmanship and integrity. Flexible monthly payments mean you can enjoy cleaner air, quieter operation, and dependable climate control right away—without draining your savings. Ready to feel the difference? Call or click today, and discover how simple it is to finance comfort that lasts.
FAQs
What financing options do you offer for HVAC replacement in Newcomb?
We partner with several nationally recognized lenders to give Newcomb homeowners flexible choices, including low-interest installment loans (terms from 36–120 months), same-as-cash plans with 0 % interest for 6–18 months, and revolving credit lines through manufacturer programs. This range lets you pick the monthly payment and term that best fits your budget while getting the new heating and cooling system you need right away.
How do I qualify for financing and what credit score is required?
Most of our lending partners approve applications with credit scores as low as 600, though a score of 650 or higher generally secures the best rates and promotional offers. You’ll complete a quick, paper-free application that includes a soft credit check—so there’s no impact on your score just to see your options. In addition to credit history, lenders consider income, existing debt, and the price of the HVAC system.
Is there a promotional period with 0 % interest or low monthly payments?
Yes. Many of the plans we offer come with introductory incentives such as 0 % APR for 12–18 months or payments as low as $75–$99 per month during the first year. If the balance is paid in full before the promo period ends, you pay no interest at all. After the promotional window, any remaining balance converts to a fixed APR that is disclosed up front so there are no surprises.
Can I include installation, ductwork, or accessories in the financed amount?
Absolutely. Your financing can cover the entire project cost—equipment, labor, duct modifications, thermostats, air purifiers, permits, and even extended warranties. This ensures you won’t have out-of-pocket expenses for add-ons that improve comfort or efficiency. We’ll give you a single all-inclusive quote and submit that total to the lender for approval.
How long does the approval process take and when can my installation begin?
Most customers receive a decision in less than 60 seconds after submitting the online application. Once approved, we can schedule your installation immediately and often have your new unit up and running within 24–72 hours, subject to equipment availability. The lender pays us directly after the job is complete, so you never have to handle a large check or wait for rebates.
Are there any penalties or extra fees for paying off my loan early?
No. All of our preferred HVAC financing programs come with zero prepayment penalties. You are free to make extra payments or pay the entire balance off at any time, which saves you money on interest. You can also set up automatic drafts, mail in checks, or pay online—whatever is most convenient for you.