Financing Available

HVAC Financing & Payment Plans

A furnace doesn’t wait for a good month to quit. Apply online in a few minutes, get a decision, and get your system replaced without draining what you’ve saved.

Short answer

Yes, we offer financing on new systems, replacements and major repairs through Service Finance Company. You apply online, get a decision, and if approved we schedule the work. Applying does not commit you to anything, and it does not commit you to a particular system.

Why finance instead of paying up front

Almost nobody plans to replace a furnace. It fails in the middle of a cold snap, or the AC gives out on the first genuinely hot weekend, and suddenly a four-figure decision has to be made in a day. Financing exists so that timing doesn’t decide the outcome.

You keep your savings where they are

An emergency replacement can empty an emergency fund in one afternoon. Spreading the cost keeps that cushion intact for whatever comes next.

You can afford the better system, not just the cheapest one

This is the one most people miss. When you’re paying cash, the budget picks the equipment. When you’re paying monthly, the gap between a builder-grade unit and a high-efficiency one is often a small difference per month, and the efficient unit pays part of that back every month on your utility bill. You end up with better equipment and a quieter house for a payment difference you’d barely notice.

You fix it now instead of nursing it

A system limping through one more season costs money in repair calls and runs badly the whole time. Replacing on your schedule is nearly always cheaper than replacing on the system’s schedule.

High-efficiency gas furnace and ductwork installed in a home
Financing applies to full system replacements, not just emergencies, including furnaces, air conditioners, heat pumps and water heaters.

How it works

1

Apply online

A short application on your phone or computer, which you can fill in without us there.

2

Get your decision

Service Finance reviews the application and comes back to you directly.

3

We schedule the work

Once you’re approved and you’ve chosen your system, we book the install.

Start your application, or call us first if you’d rather talk through what you actually need before applying. We’re happy to do it in that order.

What you can finance

  • New air conditioners and full system replacements
  • Furnaces, heat pumps and dual-fuel systems
  • Ductless mini-split installations
  • Tank and tankless water heaters
  • Major repairs and ductwork

Common questions

Does applying affect my credit?

Service Finance Company handles the application and the credit check, so the specifics come from them. Their application will tell you exactly what kind of check is run before you submit anything. If you’d rather ask a person first, call us on (417) 241-5687.

Am I committed if I apply?

No. Applying tells you what you qualify for. You decide afterwards whether to go ahead, and with which system.

Can I finance a repair, or only a replacement?

Major repairs can be financed as well. If you’re weighing a large repair against replacing the system, tell us the model and age and we’ll give you the honest comparison before you decide which one to finance.

Can I combine financing with a maintenance plan?

Yes. Plenty of customers finance a new system and add Comfort Care Membership so the new equipment gets its two tune-ups a year from the start, which is also what keeps most manufacturer warranties valid.

Do you offer financing in Nixa and Republic too?

Yes, financing is available anywhere we work, across Greene and Christian County.

Ready to apply?

Apply online in a few minutes, or call and we’ll walk you through it.

What you'll want handy

Don't let a broken system decide your budget

Apply online in a few minutes and find out where you stand, with no obligation and no commitment to a particular system.