Multiple Financing Options
Multiple Financing Options | HVAC Unit Replacement | Heating and Air Conditioning | Old Fort
When the mountain temperatures in Old Fort swing from frosty mornings to humid afternoons, comfort can’t wait for your budget to catch up. HEP makes it easy to schedule an HVAC unit replacement without the sticker-shock, offering multiple financing options that range from low-interest plans to generous 0% promotional periods. Get rapid credit decisions, choose the monthly payment that fits your lifestyle, and let our certified technicians handle the seamless installation—often on the very same day your financing is approved.
With HEP, you never have to trade peace of mind for upfront costs. Every financing package pairs industry-leading warranties with honest, transparent pricing, so you know exactly what you’re paying for and why. Ready to upgrade your home’s efficiency and comfort? Call or click today and discover how effortless a financed HVAC unit replacement can be in Old Fort.
FAQs
What financing plans are available for an HVAC replacement in Old Fort?
We partner with multiple lenders to give you a menu of options that can be tailored to your budget. Choices range from promotional 0 % APR plans for 6–18 months, to fixed-rate loans with terms of 3, 5, 7, or 10 years. For homeowners looking for the lowest possible monthly payment, we also offer longer-term, low-interest programs through FHA Title I and local credit unions. All plans can cover equipment, labor, permitting, and any required electrical or duct upgrades.
Who is eligible to apply for financing and how do I start the process?
Any property owner in Old Fort or the surrounding McDowell County area who is at least 18 years old, has a valid Social Security number (or ITIN), and meets the minimum credit criteria of our lending partners can apply. Simply click the “Pre-Qualify” button on our financing page or give us a call. The secure online form takes about two minutes and performs a soft credit check, so your credit score is not affected until you choose a plan and finalize the loan documents.
How fast will I know if I’m approved, and what paperwork do I need?
Most customers receive an approval decision within 30–60 seconds of submitting the online application. For standard residential loans up to $55,000, you’ll usually only need your driver’s license and the last four digits of your SSN. Larger projects or specialty loans may require proof of income such as a recent pay stub or tax return. Once approved, electronic loan documents are emailed to you for e-signature, and we can schedule installation immediately after they’re signed.
Can the financing cover accessories like thermostats, ductwork, or an IAQ system?
Yes. All of our financing programs allow you to roll every project-related cost into a single loan, including new duct runs, smart thermostats, UV air purifiers, zoning dampers, permits, and even an extended maintenance plan. Bundling everything keeps your upfront cash outlay low and lets you spread the total cost over manageable monthly payments.
Is there any penalty for paying off the loan early or making extra payments?
No. All of our advertised HVAC financing programs come with zero pre-payment penalties. You can pay more than the minimum or pay the balance off entirely at any time without incurring fees. Early payoff not only saves you interest but also immediately clears your credit line, giving you more flexibility for future home improvements.
Will financing my new HVAC system affect my manufacturer warranty or maintenance plan?
Financing has no impact on your equipment’s factory warranty or on any labor warranty we provide. As long as the system is registered and you follow the recommended maintenance schedule—whether you pay cash or finance—the warranty coverage remains exactly the same. In fact, many customers roll our annual maintenance agreement into the loan so service visits are prepaid and never missed, ensuring the warranty stays valid.