Flexible Financing
Flexible Financing | HVAC Unit Replacement | Heating and Air Conditioning | Etowah
When the East Tennessee humidity spikes or winter cold creeps in, Etowah homeowners need comfort they can count on—and HEP makes it easy. Our flexible financing lets you schedule your HVAC unit replacement today without draining your savings, with fast approvals, low-interest options, and payments that fit almost any budget. Paired with high-efficiency equipment and our factory-trained technicians, you’ll start saving on energy bills from day one while enjoying quieter, more consistent heating and cooling.
From free in-home consultations to courteous, on-time installation, we handle every detail so you can breathe easier. Whether your current system is struggling, outdated, or simply costing too much to run, HEP delivers the reliable solution Etowah families trust—backed by 24/7 support and the area’s strongest warranties. Upgrade your comfort today and pay on terms that work for you; with HEP, there’s no reason to wait for the perfect indoor climate.
FAQs
Why should I consider financing my new HVAC system instead of paying for it all at once?
Financing lets you replace an aging or failed system immediately—even if you haven’t budgeted for it—while preserving your savings and credit-card limits for other needs. Because today’s high-efficiency equipment can lower utility bills by 20-40 %, many homeowners in Etowah find that the monthly energy savings offset a large portion of the loan payment. Flexible terms also allow you to choose a payment schedule that fits your household budget, so you get year-round comfort without a large upfront expense.
What financing programs do you offer for HVAC replacement in Etowah?
We partner with several national and regional lenders to provide a range of options: • 0 % promotional APR plans for 6, 12, or 18 months (same-as-cash) when paid in full within the promo period. • Fixed-rate installment loans with terms from 36 to 120 months and APRs as low as 6.99 %. • Deferred-payment plans that let you skip the first payment for 60–90 days. • FHA Title I home-improvement loans for larger projects up to $25,000. All loans are unsecured, so no home equity is required, and most can be e-signed from your phone for same-day approval.
How do I qualify for financing and what credit score is required?
The online application takes about three minutes and only requests basic personal and income information. Most lenders perform a soft credit inquiry first, so applying will not affect your score. In general, a FICO score of 600 or higher is enough for approval, although prime-rate offers usually start around 680. If your credit is limited or challenged, we can submit to second-look programs or add a co-applicant to improve your chances. Proof of income (two recent pay stubs or bank statements) may be requested for larger loan amounts.
How long does approval take, and when can installation start?
For the majority of applicants, a credit decision is returned within 60 seconds of hitting “Submit.” Once you accept the terms and electronically sign the loan agreement, we receive instant confirmation and can schedule your installation. Because we stock the most common equipment sizes in our local warehouse, crews can usually be on-site within 24–48 hours—so you won’t be without heating or cooling for long.
Are there rebates or tax incentives in Etowah that I can combine with your financing?
Yes. TVA EnergyRight® and participating Etowah utilities currently offer rebates of $150–$400 for qualifying heat pumps and dual-fuel systems. In addition, the federal Energy Efficient Home Improvement Credit (IRC 25C) allows you to claim up to 30 % of the installed cost—capped at $2,000—for qualifying heat pumps, air conditioners, and furnaces. You can finance the full project cost up front and then apply your rebate check or tax refund to the loan principal, lowering your balance without penalty.
Can I pay off my HVAC loan early or make extra payments without penalty?
Absolutely. All of our financing partners allow early payoff and additional principal payments at any time with no fees and no pre-computed interest. Making even one extra payment a year can shave months off the term and save you hundreds of dollars in interest, so you stay flexible as your financial situation changes.