Flexible Financing Options

Flexible Financing Options | HVAC Unit Replacement | Heating and Air Conditioning | Shelbyville

When a sudden breakdown leaves your Shelbyville home without reliable heating or cooling, HEP’s flexible financing options make an urgent HVAC unit replacement surprisingly stress-free. With quick approvals, low monthly payments, and even 0% interest plans for qualified homeowners, you can upgrade to an energy-efficient system today—without draining your savings tomorrow. Our local comfort specialists handle every detail, from sizing the perfect unit to filing manufacturer rebates, so you stay focused on enjoying a cozier, more affordable home.

Whether you’ve planned ahead or you’re facing an emergency, our financing partners give you the freedom to choose the repayment schedule that fits your budget. Pair that financial freedom with HEP’s reputation for honest advice, flawless installations, and round-the-clock support, and you’ll see why Shelbyville families have trusted us for decades. Apply online in minutes, or call now and breathe easier knowing your new system—and the payments that come with it—are perfectly tailored to you.

FAQs

What financing plans do you offer for HVAC replacement in Shelbyville?

We partner with several national and regional lenders to provide multiple financing options, including low monthly payment plans, 0 % APR promotional periods, and fixed-rate loans that extend up to 120 months. This variety lets you choose a plan that matches your budget while getting the comfort upgrade you need right away.

Who is eligible for HVAC financing, and what credit score is required?

Most homeowners in the greater Shelbyville area who are at least 18 years old and have a steady source of income can apply. While approval is subject to credit review, many of our lenders work with scores in the 600s and higher. If your credit is challenged, we can often locate alternative programs—such as co-signer options or second-look financing—to help you qualify.

How do I apply for financing and how long does approval take?

The application can be completed online, over the phone, or in person during your free in-home estimate. You’ll provide basic personal information, employment details, and authorization for a soft credit check (which does not affect your score). Most customers receive an approval decision within minutes, and we can schedule your HVAC replacement as soon as funding is confirmed.

Are there any special promotions like zero-interest or deferred payment plans?

Yes. Throughout the year we offer limited-time promotions such as 12- to 18-month no-interest plans or 6-month deferred payments, subject to credit approval. We’ll review all current specials during your consultation so you can take advantage of the program that saves you the most money.

Can I finance both the equipment and the installation costs?

Absolutely. Your financing amount can cover the new heating and air conditioning system, labor, materials, permits, and even optional accessories like smart thermostats or air purifiers. Bundling everything into one loan keeps your monthly payment predictable and prevents unexpected out-of-pocket expenses.

Does choosing financing affect my warranty or future service options?

No. Financing simply covers the cost of your purchase; it has no impact on the manufacturer’s warranty or our workmanship guarantee. You’ll still receive the full factory warranty—often up to 10 years on parts—and have access to our priority service plans for ongoing maintenance and repairs.