Financing
Flexible HVAC Financing Options for Your Home
At Santa Fe Heating & Cooling, LLC, we understand that investing in a new heating and cooling system is a major decision. Whether you’re replacing an outdated unit, upgrading to a more energy-efficient model, or dealing with an unexpected repair, the cost can sometimes be overwhelming.
That’s why we offer flexible financing options designed to make HVAC installation and repairs more affordable. We’ve partnered with Hearth and GreenSky, two of the most trusted names in home improvement financing, to provide fast, easy, and budget-friendly payment solutions for our customers.
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Why Finance Your HVAC System?
A high-quality HVAC system isn’t just a luxury—it’s a necessity, especially in extreme weather conditions. However, many homeowners put off upgrades due to cost concerns, which can lead to higher energy bills, frequent repairs, and reduced indoor comfort.
By choosing to finance, you can:
✔ Get a new, energy-efficient system without paying the full cost upfront
✔ Lower your monthly energy bills with a more efficient unit
✔ Avoid expensive emergency repairs by replacing an aging system now
✔ Choose a low monthly payment plan that fits your budget
✔ Enjoy 0% interest financing options (on select plans)
No matter your situation, our financing solutions make it easier to stay comfortable all year round.
Our HVAC Financing Partners
We’ve partnered with two reputable financing companies, Hearth and GreenSky, to provide you with the best payment options available. Each offers unique benefits depending on your needs.
Hearth Financing – Simple Personal Loans for HVAC Upgrades
Hearth makes it easy to find a personal loan for your HVAC project. Unlike traditional in-store financing, Hearth connects you with multiple lenders, so you can choose the loan that best fits your budget.
Benefits of Hearth Financing:
Personal loans up to $100,000 for HVAC projects Fixed monthly payments—no surprises No prepayment penalties, so you can pay off your loan early if desired No impact on your credit score when checking your rates Quick approval process, with funds available in as little as 24 hours
How Hearth Financing Works:
- Check Your Loan Options: Pre-qualify in minutes with a simple online form—no impact on your credit score.
- Compare Offers: Choose from multiple loan options to find the best rates and terms.
- Receive Your Funds: Once approved, you can receive your loan as quickly as one business day.
- Schedule Your HVAC Installation: Use your loan to finance a new AC, furnace, heat pump, or system upgrade.
Hearth is a great choice for homeowners who prefer traditional financing with predictable, fixed monthly payments.
GreenSky Financing – Flexible Credit Lines with Promotional Offers
If you’re looking for a credit line with promotional financing, GreenSky offers convenient options tailored to home improvement projects. Instead of a personal loan, GreenSky provides a revolving credit line, similar to a credit card, specifically for HVAC purchases.
Benefits of GreenSky Financing:
0% interest promotional financing (if paid in full within the promotional period) Long-term low monthly payment plans Fast approval process—get a credit decision in seconds Reusable credit line—finance additional HVAC needs in the future
How GreenSky Financing Works:
- Apply Online: Get an instant credit decision through GreenSky’s secure portal.
- Choose Your Financing Plan: Pick from 0% interest promotional financing or a low fixed monthly payment plan.
- Use Your Credit Line: Once approved, you’ll receive a virtual card that can be used to pay for your HVAC system.
- Enjoy Affordable Payments: Pay off your balance over time with flexible repayment terms.
GreenSky is an excellent option if you’re looking for 0% interest financing (on select plans) or want a flexible credit line for ongoing HVAC needs.
Which Financing Option is Right for You?
Not sure which option is best? Here’s a quick comparison:
| Feature | Hearth | GreenSky |
|---|---|---|
| Type of Financing | Personal Loan | Credit Line |
| Approval Time | Minutes | Seconds |
| Interest Rates | Fixed | 0% promotional or low-interest plans |
| Repayment Terms | Set monthly payments | Flexible payments |
| Credit Impact for Pre-Qualifying | No | No |
| Loan Amount | Up to $100,000 | Varies based on credit approval |
| Best For | Fixed payments & personal loans | Promotional financing & credit flexibility |
If you want a straightforward personal loan with fixed payments, Hearth is a great choice. If you prefer 0% interest promotional financing or a flexible credit line, GreenSky is the way to go.
Still not sure? Give us a call, and we’ll help you find the best financing plan for your HVAC needs.
Get Started Today – Apply for HVAC Financing
At Santa Fe Heating & Cooling, LLC, we make it easy to finance your new HVAC system so you can enjoy a more comfortable home without financial stress. Call us today to learn more about our financing options!
Apply online to our financing partners and take the first step toward a more efficient and comfortable home. Don’t let budget concerns keep you from the heating and cooling system you need. With our financing options, you can stay comfortable now and pay over time!