Financing your HVAC project.
Pacific Peak Mechanical is finalizing its HVAC financing partners, so lender rates and terms for Vancouver, WA installs are not on this page yet. Until then, the main options are manufacturer 0% promotions, standard installment loans, a HELOC or a credit union energy-efficiency loan.
Financing partners, coming soon
If you have an active project and want to discuss financing options, give us a call at (360) 838-5568 or request a quote, we will walk through what is available right now.
How HVAC financing typically works.
HVAC financing starts with a written quote, then one of four loan types.
Quote first, financing second.
Financing decisions get a lot easier once you know the actual project cost. We build the complete written quote (equipment, labor, permit, rebates, and net out-of-pocket) before any financing conversation. That way you are deciding whether to finance a real number, not a teaser estimate.
Common HVAC financing structures.
- 0% or no-interest promotional financing. Manufacturers offer these through their lending partners, subject to credit approval. Read the terms closely: Mitsubishi Electric's offer on the Synchrony Project Card is no interest only if the balance is paid in full within 18 months, otherwise interest is charged from the purchase date. American Standard's fall 2026 offer (October 1 to November 15, 2026) includes special financing through participating dealers.
- Standard installment financing. A fixed rate over a set number of months, priced on your credit. The usual option when the install does not qualify for a promotion.
- Home equity line of credit (HELOC). Borrows against your home equity through a separate application with your bank. The IRS lets you deduct the interest only if the money is used to buy, build or substantially improve the home that secures the loan, and only if you itemize (IRS Publication 936).
- Energy-efficiency loans. Some Pacific Northwest credit unions offer reduced-rate loans specifically for energy-efficiency upgrades like heat pumps. Worth asking your credit union about.
Rebates that reduce the financed amount.
Rebates lower the amount you finance. These can apply to a Clark County heat pump project:
- Clark PUD rebate: $900 ductless, and only if your home is heated by an electric furnace or electric zonal heat today. The $500 to $1,250 ducted rebate is restricted to the utility's Contractor Network, which we have not joined
- Manufacturer rebate: only while a promotion is running for your model
- City of Vancouver HEAR (state-funded): open now inside Vancouver city limits for low and moderate income households; the program picks its own approved contractor. The federal heat pump rebate of up to $8,000 has not opened in Washington, and under 2026 federal rules it will not pay for gas or oil conversions
- Federal 25D for geothermal systems: ended for expenditures made after Dec 31, 2025
Read our 2026 rebates & incentives breakdown for the current status of each program.
What to budget for today.
Run the estimator for typical installed ranges by system type, home size, and efficiency tier: heat pumps, AC + furnace, and ductless mini-splits.
Get a written quote.
Whether you finance through a lender, pay cash, or use home equity, the starting point is the same: a written, itemized quote so you know exactly what you are paying for. We do these on-site, never over the phone, and installation quotes are free.