Flexible Financing
Flexible Financing | HVAC Unit Replacement | Heating and Air Conditioning | Tracy City
When the Tennessee heat bears down on Tracy City or winter nights dip below freezing, a faltering system isn’t just inconvenient—it’s miserable. HEP makes comfort affordable with flexible financing options that put a brand-new, high-efficiency system within reach today, not “someday.” Our friendly comfort advisors listen to your needs, help you choose the right equipment, and create payment plans that fit your budget, so you can stop worrying about surprise breakdowns and start enjoying steady, reliable temperatures year-round.
From the first call to the final thermostat check, our factory-trained technicians keep the process smooth and stress-free. We remove your outdated system, perform precise HVAC unit replacement, and leave your home cleaner than we found it—often in just one day. Because HEP stands behind every install with strong warranties and 24/7 emergency support, you’ll feel confident that your new heating and air conditioning investment will serve you well for many seasons to come.
FAQs
What financing options do you offer for an HVAC replacement in Tracy City?
We partner with reputable national and regional lenders to provide several flexible plans, including 0% APR promotional financing for 6–24 months, low-interest loans (as low as 5.99% APR) with terms up to 120 months, and deferred-payment plans that allow you to delay your first payment for 90 days. You can choose the option that best matches your budget, and there are no pre-payment penalties if you decide to pay the balance off early.
Am I eligible for HVAC financing if I have average credit?
Most homeowners in Tracy City with a credit score of 600 or higher qualify for at least one of our programs. We also offer second-look financing for scores as low as 550 and can sometimes approve applications based on income verification instead of credit history. Because we work with multiple lenders, we can usually find a solution even if your credit is less than perfect.
How do I apply for financing and how long does approval take?
You can complete a simple, secure online application or fill it out with our comfort consultant during your free in-home estimate. The form requests basic personal, employment, and housing information and performs a soft credit pull that does not affect your score. Most customers receive an instant decision in 30–60 seconds. Once approved, you e-sign the loan documents, and we schedule installation as soon as the next business day.
Can I finance additional work such as duct repairs, a smart thermostat, or an air purifier?
Yes. Your financing amount can include the new heating and cooling equipment, installation labor, permit fees, ductwork modifications, indoor-air-quality accessories (like UV lights or whole-home humidifiers), and even an extended parts & labor warranty. Rolling everything into one loan payment lets you upgrade your entire comfort system without multiple invoices.
What will my monthly payment be, and are there any hidden fees?
Monthly payments depend on the total financed amount, the term you choose, and the interest rate you qualify for. For example, a $9,000 system financed for 60 months at 6.99% APR is roughly $178 per month, while the same amount on a 12-month 0% plan is $750 per month. All lender fees—if any—are disclosed up front before you sign. We never charge application fees, and there are no pre-payment penalties, late-payment penalties, or surprise balloon payments.
Are there local rebates or incentives I can combine with financing?
Absolutely. TVA EnergyRight rebates of up to $400 are currently available for qualifying high-efficiency heat pumps in the Tracy City area, and several utility providers in Grundy County offer bill credits for ENERGY STAR® equipment. In addition, the federal Inflation Reduction Act provides a 30% tax credit (up to $2,000) on qualifying heat pump installations through 2032. We’ll calculate all available incentives during your estimate and apply them to lower your financed amount or help you claim them after installation.