Flexible Financing
Flexible Financing | HVAC Unit Replacement | Heating and Air Conditioning | Signal Mountain
Need a new comfort system but not the upfront cost? HEP makes it simple for Signal Mountain families to enjoy reliable heating and cooling today while paying over time. Our flexible financing turns that urgent HVAC unit replacement into an easy monthly expense, complete with quick approvals and competitive rates that fit almost any budget. From energy-efficient heat pumps to high-performance air conditioners, we’ll match you with the perfect system and handle every detail—installation, rebates, warranty registration, and haul-away of the old equipment.
All you have to do is pick your preferred payment plan and relax. Our licensed technicians arrive on schedule, respect your home, and deliver workmanship backed by decades of local experience and a 100% satisfaction guarantee. Discover how effortless year-round comfort can be when HEP is on your side—contact us today and breathe easier tonight.
FAQs
What financing options are available for a new HVAC system in Signal Mountain?
We partner with several reputable lenders that specialize in home-improvement financing. Homeowners can choose from low-monthly-payment plans that stretch up to 120 months, short-term same-as-cash programs, or traditional revolving credit lines. This variety lets you pick a plan that best matches your budget, whether you want the lowest possible payment or the fastest payoff.
Who is eligible to apply for HVAC financing?
Most Signal Mountain homeowners with a verifiable source of income can apply. Lenders typically look for a minimum credit score in the mid-600s, but applicants with limited credit history or scores below that range may still qualify with a co-applicant. Retirees, self-employed individuals, and recent movers are all welcome to apply—our team will help you match with the lender that offers the best approval odds.
How does the financing application process work?
The process is quick and paperless. During your in-home estimate or over the phone, our comfort consultant will walk you through a secure online application that takes about five minutes. You’ll receive a credit decision instantly. If approved, you can review the terms, sign electronically, and schedule your installation right away—no need to visit a bank or wait for mailed paperwork.
Can I finance both the equipment and the installation costs?
Yes. All of our financing plans cover the entire project cost: the new heating and air conditioning unit, labor, required permits, and any accessories such as smart thermostats, air purifiers, or duct modifications. There are no hidden fees, so the amount you finance equals the complete price on your signed proposal.
Are promotional offers like 0% interest available?
Seasonal promotions change throughout the year, but we frequently offer 6-, 12-, or 18-month deferred-interest plans where you pay no interest if the balance is cleared within the promotional period. We’ll also match manufacturer rebates with special low-APR programs to maximize your savings. Ask your consultant about current Signal Mountain promotions when you schedule your estimate.
Will applying for financing affect my credit score?
Submitting an application triggers a soft credit inquiry, which does not affect your score. If you accept an offer and open an account, the lender will post a hard inquiry that may cause a small, temporary dip—typically just a few points. Making on-time payments can help you build positive credit history over the life of the loan.