Easy Financing Options
Easy Financing Options | Air Conditioning | Heating and Air Conditioning | Pikeville
Whether you’re upgrading an aging unit or installing your first central air system, HEP makes it simple for Pikeville homeowners to keep their cool. Our easy financing options turn big purchases into manageable monthly payments, so you can enjoy reliable air conditioning without draining your savings. With quick approvals, transparent terms, and zero-stress service from our certified technicians, you’ll feel the difference long before the next heat wave hits.
From flexible payment plans to special promotions on high-efficiency models, we tailor every solution to your budget and comfort needs. Pair that with our 24/7 support and you’ll know your heating and cooling investment is protected year-round. Call today and discover how effortless perfect indoor comfort can be with HEP by your side.
FAQs
What financing plans are available for a new air-conditioning system in Pikeville?
We partner with national HVAC lenders as well as a regional Pikeville community bank to offer 6-, 12-, 24-, 36-, and 60-month installment loans. You can choose fixed APR plans with rates starting at 6.99 % or a same-as-cash option that carries 0 % interest if the balance is paid within the promotional period. All plans can be used for equipment, labor, permits, and any required accessories.
How do I apply for easy financing and how long does approval take?
You can apply in three ways: 1) use the secure link on our Air-Conditioning Financing page, 2) complete a quick application on a technician’s tablet during your in-home estimate, or 3) stop by our Pikeville showroom. The online form only asks for basic personal information, two years of residence/employment history, and estimated project cost. Most customers receive a credit decision in 30–90 seconds; complex applications are typically reviewed within one business day.
Do I need perfect credit to qualify for HVAC financing?
No. Our lending partners look at more than just your credit score. Approvals are routinely issued for scores as low as 580 when supported by stable income and on-time rent or utility payments. For homeowners with limited credit history, we can explore co-signer and deferred-equity options tied to the value of your property.
Are there zero-interest or no-payment promotional periods available?
Yes. Throughout the year we run manufacturer-sponsored promotions that offer 0 % APR for 12 or 18 months with no required payments during the first 6 months. If the balance is paid in full before the promo period ends, you owe no interest; otherwise the contract reverts to the disclosed fixed APR for the remaining term. Ask your comfort consultant what promotions are active when you schedule your estimate.
Can financing cover installation extras like ductwork modifications and maintenance plans?
Absolutely. Your approved credit line can be used for the full project cost: new indoor and outdoor units, duct repairs or upgrades, electrical work, permits, smart thermostats, and even our optional preventive maintenance agreement. Bundling everything into one loan lets you spread the entire expense over manageable monthly payments.
Is there a penalty for paying off my HVAC loan early?
No. All of our current financing programs carry zero pre-payment penalties. You can make additional principal payments or pay the loan off entirely at any time without incurring fees, allowing you to reduce your total interest cost whenever it’s convenient for your budget.