HVAC Financing Made Easy
0% APR Options Available • Instant Approvals • No Credit Impact to Check
✓ Soft credit check only • No impact to your credit score to see if you qualify
How Our Financing Works
Get approved in minutes and enjoy comfortable payments
Apply Online
Quick 60-second application with instant pre-qualification
Get Approved
Instant decision on financing up to $25,000 with multiple plan options
Choose Your Plan
Select the payment plan that works best for your budget
Enjoy Comfort
We complete the work and you make affordable monthly payments
Why Finance With Us?
0% APR Options
Qualified customers can get 0% interest financing on approved credit for select terms
Instant Approvals
Get a decision in seconds, not days — same-day service even with financing
No Credit Impact
Soft credit check to see if you qualify — won't affect your credit score
Flexible Terms
Multiple payment plans available to fit any budget — from 6 to 60 months
Check If You Prequalify
Takes less than 60 seconds • No impact to your credit score
Simple, transparent financing for your HVAC needs
Ready to get started?
Click below to open the Wisetack prequalification form
Open Prequalification Form →*On approved credit. Terms and conditions apply. See financing provider for details.
American Standard Savings & Offers
Save big on premium HVAC systems with manufacturer rebates, financing promotions, and utility incentives
Up to $2,000 Federal Tax Credit
Qualify for federal energy tax credits on high-efficiency American Standard systems (16+ SEER2, 95%+ AFUE).
✓ Ask about IRA 25C & 25D credits
0% APR for 60 Months*
Finance your American Standard system with zero interest for qualified buyers. Instant approvals available.
✓ Soft credit check • No impact to score
Utility Rebates Available
Entergy Arkansas and other utilities offer rebates on qualifying high-efficiency systems. We handle the paperwork.
✓ Rebates up to $500+ in Arkansas
Stack Your Savings
Combine federal tax credits + utility rebates + 0% financing to maximize affordability. Our team will identify every available incentive for your Central Arkansas home.
*Financing subject to credit approval. Terms and conditions apply. Tax credits subject to IRS eligibility requirements. Utility rebates vary by provider and system efficiency. Ask for details.
Premium Systems Worth Financing
American Standard Authorized Dealer • Finance top-tier HVAC with 0% APR options
Built to a Higher Standard
As an American Standard Authorized Dealer, we finance premium HVAC systems that deliver long-term value. Samsung AI technology, American Standard reliability, and budget-friendly Ameristar—all backed by manufacturer warranties.
0% APR Available
No interest on qualified premium systems
Expert Installation Included
NATE-certified techs • 1-year labor warranty
10-Year Manufacturer Warranty
American Standard quality guarantee
Common Projects We Finance
Typical cost ranges for Bryant area homes
New AC Installation
Complete system replacement
$3,500–$8,000
As low as $75/month with approved financing
Furnace Replacement
New heating system install
$2,500–$6,000
As low as $55/month with approved financing
Heat Pump System
Year-round comfort solution
$4,000–$10,000
As low as $90/month with approved financing
Complete HVAC System
Full heating & cooling replacement
$8,000–$15,000
As low as $170/month with approved financing
Mini Split System
Ductless AC/heat solution
$3,000–$7,000
As low as $65/month with approved financing
Air Quality Upgrades
Purifiers, humidifiers, smart stats
$1,500–$4,000
As low as $35/month with approved financing
*Payment estimates based on 60-month financing at 0% APR on approved credit. Your actual payment may vary.
Schedule Free EstimateFinancing FAQs
Will checking if I qualify affect my credit score?
No! We use a soft credit check to see if you prequalify, which does not impact your credit score. Only if you decide to move forward and formally apply will a hard credit check be performed.
How quickly can I get approved?
Most customers receive an instant decision in under 60 seconds. We can often complete your HVAC project the same day you're approved.
What credit score do I need?
We work with a variety of credit profiles. While higher credit scores may qualify for better terms, we have options for many situations. Apply to see what you qualify for!
Can I finance emergency repairs?
Yes! Financing is available for repairs, replacements, and new installations. Even emergency service calls can be financed — don't let a broken AC or furnace wait because of budget concerns.
Are there any fees or prepayment penalties?
This depends on your specific financing plan. Many of our plans have no hidden fees and allow you to pay off early without penalty. Your financing specialist will review all terms before you commit.
Ready to Get Started?
Check if you prequalify in 60 seconds or call us to discuss your options