Financing your HVAC project.

How HVAC financing typically works.

While we finalize our preferred lender, here is how HVAC financing generally operates in our market — useful context whether you finance through us, your bank, or a home equity option.

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% promotional financing. Most major manufacturers (Mitsubishi, American Standard) periodically run 0% interest promotions for 12–24 months on qualifying installs. Available through their financing partners. Typically requires good credit; payments are interest-free if the balance is paid off in the promotional period.
• Standard installment financing. Fixed rates (typically 5.99%–14.99% depending on credit) over 36–84 months. Standard option when the install does not qualify for promo financing.
• Home equity line of credit (HELOC). Lower interest rates (often 7–9% in 2026), tax-deductible interest in many cases, but requires home equity and a separate application through your bank.
• 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.

Whichever financing route you take, you can reduce the principal by stacking available rebates and credits. Our most common stacking scenario for a Clark County heat pump conversion:

• Clark PUD rebate: up to $2,500 (depending on configuration)
• Manufacturer rebate: $300–$700 typical
• State HEAR program: up to $8,000 for qualifying income brackets (launching 2026)
• Federal 25D for geothermal systems: 30% uncapped through 2032

Read our 2026 rebates & incentives breakdown for the current status of each program.

What to budget for today.

Even without specific lender terms, you can get an accurate sense of project cost using our online estimator. Run the estimator for typical installed ranges by system type, home size, and efficiency tier — heat pumps, AC + furnace, and ductless mini-splits. Knowing the number is the first step.

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 there is no charge for installation quotes.

Request a quote →