Comfort Now.
Pay Over Time.

Your AC breaks down at the worst time. That's just how it works. Don't let budget stand between you and comfort.

We've partnered with Hearth Financing to offer flexible payment options that work for real families with real budgets.

Discuss Your Options → How It Works ↓

Why Finance Your HVAC?

A new HVAC system is an investment in your home. Here's why financing makes sense:

🏠

Keep Your Savings Intact

Your emergency fund stays where it belongs—for emergencies. Finance your system and maintain your financial cushion.

⚡

Get the Right System

Don't settle for the cheapest option. Financing lets you invest in the system that actually fits your home and efficiency needs.

💰

Energy Savings Start Now

A new efficient system can cut your energy bills by 20-40%. Those savings help offset your monthly payment from day one.

How It Works

Simple, fast, and no pressure. Get approved in minutes, not days.

Get Your Quote

We assess your home and provide a detailed quote for your new system or repair.

Apply Online

Quick application through Hearth. Soft credit check that won't affect your score.

Choose Your Plan

See multiple offers from different lenders. Pick the payment that works for your budget.

Get Comfortable

We install your system. You enjoy comfort. Simple monthly payments start later.

Our Financing Partner

Why Hearth?

Hearth connects you with multiple lenders to find the best rates. No obligation, no pressure.

Multiple Lenders

Compare offers and pick the best fit for you

Quick Decisions

Know your options in minutes, not days

Soft Credit Check

Check rates without impacting your credit score

Flexible Terms

Terms from 12 to 144 months available

Competitive Rates

Rates as low as 0% for qualified buyers

No Prepayment Penalties

Pay it off early with no extra fees

What Can You Finance?

Financing is available for major HVAC investments:

Full System Replacement

New AC, furnace, or heat pump installation with all the bells and whistles.

Major Repairs

Compressor replacements, coil repairs, and other significant fixes.

Indoor Air Quality

Whole-home air purifiers, UV lights, dehumidifiers, and duct work.

System Upgrades

Smart thermostats, zoning systems, and efficiency improvements.

What Could Your Payment Look Like?

Here's a real example—not a bait-and-switch estimate:

New 3-ton AC system installed:

$8,500

Total project cost

60-month term

~$155/mo

Estimated at 7.99% APR*

84-month term

~$118/mo

Estimated at 8.99% APR*

120-month term

~$95/mo

Estimated at 9.99% APR*

*Rates and terms are estimates for illustration. Your actual rate depends on credit approval. Subject to change.

Common Questions

Will checking my rate hurt my credit score?

No. Hearth uses a soft credit inquiry to show you rates and options. This does NOT affect your credit score. A hard inquiry only happens if you choose to proceed with an offer.

What credit score do I need?

Hearth works with multiple lenders who have different requirements. Generally, a score of 600+ gives you a good chance of approval. Even with lower scores, there may be options available—it's worth checking.

How long does approval take?

Most customers see their options within minutes. The application takes about 60 seconds to complete. If approved, you can sign documents digitally and we can often install same-day or next-day.

Can I pay off my loan early?

Yes! There are no prepayment penalties. Pay off your balance early and save on interest—no extra fees, no fine print games.

What if I'm not approved?

No problem. We can discuss other options like phased repairs, alternative lenders, or priority scheduling once you're ready. We're not going to leave you without AC in Texas—we'll figure something out.

Is there a minimum or maximum financing amount?

Minimums and maximums vary by lender. Generally, financing is available for projects starting around $1,000 and up to $100,000. Most residential HVAC projects fall well within this range.

Ready to Get Comfortable?

Let's talk about your project and explore your financing options. No pressure, no obligation—just honest answers.

📞 Call 832-403-7466 Request a Quote

Woman-Owned · Serving Katy & Fulshear · Every Visit Documented

Comfort Now.Pay Over Time.