HVAC and plumbing financing in Dayton and Cincinnati
You can finance heating, cooling and plumbing work, and three lenders look at your application instead of one. Applying only asks for pre-approval, so it doesn't commit you to buying, and the lender sets the rate and the term.
A new system now. Payments that fit.
Can I finance a new furnace or AC?
Yes. An air conditioner starts as low as $49 a month with approved credit, a heat pump as low as $69 a month with approved credit, and a furnace and air conditioner replaced together as low as $89 a month with approved credit.
Those are the best-case advertised payments rather than a quote for your house. Water heaters and the bigger repairs qualify too. The money comes from the lender rather than from us, so approval, rate and term are theirs to set.
What kind of work qualifies for financing?
Anything big enough that writing one check would sting: AC installation, furnace installation, heat pumps and ductless systems, tank and tankless water heaters, major repairs, air quality equipment, sewer lines and repiping.
How do I apply for financing?
Which lenders do you work with?
Three, not one: GoodLeap, Synchrony and Wright-Patt Credit Union. Working with more than one lender is what gets an approval across a wider range of credit situations, and finding out what you qualify for costs nothing.
Financing that works like you'd hope.
Is financing worth it compared with paying upfront?
Financing exists so a system that failed without warning doesn't push you into a smaller unit or an empty savings account.
Financing versus paying in full for a system replacement
| What we look at | Finance when | Pay in full when |
|---|---|---|
| Timing | The system already failed and replacement cannot wait | The replacement is planned months ahead |
| Cash on hand | Paying in full would empty the emergency fund | Cash is available without touching reserves |
| System choice | Budget alone would force a smaller or lower-efficiency system | The preferred system is affordable outright |
| Total cost | A monthly payment is worth the finance charge | Avoiding any finance charge is the priority |
| Credit | Credit is in reasonable shape and pre-approval is likely | Credit is being repaired and a new account would set it back |
What do people ask before applying?
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