Get your free estimate
We assess your home and recommend the right system at a fair price. No upsells, no pressure.
Flexible Financing
New system. Zero stress. Pay over time.
We believe every home deserves reliable comfort — not just the ones with room in the budget. Flexible financing options put a new HVAC system within reach today.
Why Finance?
Comfort shouldn't wait for a perfect budget.
When your system fails in the middle of July, waiting isn't an option. Our financing programs are designed to get you back to comfortable — quickly and affordably.
- Promotional 0% APR offers on qualifying systems — ask for current terms
- Fast approvals — often same-day
- Flexible terms to fit your budget
◆ Payment Example
$139/ month
0% APR · 61 months · $8,500 system
- System total
- $8,500
- Down payment
- $0
- Term length
- 61 months
- Interest rate
- 0% APR
Example only. Actual terms depend on credit qualification and approved loan amount. Final terms confirmed at time of application.
Simple Process
How It Works
From estimate to install, the whole process takes less than a day. Here's what to expect.
Apply for financing
Quick online application. Most customers get a decision in under 2 minutes. Soft credit check only.
Get it installed
Approved? We schedule your install. You start paying after work is complete — not before.
Our Programs
Financing Options
We work with multiple financing partners to offer a plan that fits your situation.
Financing is provided by third-party lenders and is subject to credit approval. Earth Air Heating & Cooling is not a lender and does not guarantee approval, rates, or terms. See our Terms of Service for details.
0% APR / 18 Months
For new system purchases over $3,000
No interest if paid in full within 18 months. Spread your payments with zero added cost.
- No interest charge when paid in full
- Available on select qualifying systems
- Low minimum monthly payment
Low Monthly Payments
Terms from 24–84 months
Starting at $79/mo. Perfect for larger system replacements where you want predictable payments.
- Fixed monthly payment — no surprises
- Starting at $79/mo on qualifying jobs
- No prepayment penalties
Same-Day Approval
Fast credit decisions
Apply by phone or online. Funds available same or next business day so we can schedule immediately.
- Apply online in under 2 minutes
- Soft check — no impact on score
- Funds same or next business day
Common Questions
Got questions? Good.
- Does applying for financing affect my credit score?
- Our initial application uses a soft credit pull, which does not affect your credit score. Only if you accept a loan offer will a hard inquiry occur.
- Can I finance repairs, not just new system installations?
- Yes. Financing is available for qualifying repairs starting at $1,500. Ask your technician or call us to confirm eligibility before your appointment.
- What if I want to pay off my balance early?
- There are no prepayment penalties on any of our financing programs. Pay it off early and you owe nothing extra — we prefer it that way.
- Is financing available for all services?
- Financing is available for most installations and larger repair jobs. Routine tune-ups and maintenance visits typically don't qualify. Call us and we'll confirm your job is eligible.
Ready to Get Started?
Apply today. Start paying after install.
Call us for a free estimate, or jump straight to the online application. Approvals in minutes, installation on your schedule.