0% Financing for18 Months · Wells Fargo
Apply during your free in-home estimate. Most decisions same day. Stacks with Energy Trust rebates and federal tax credits.
Trusted by Portland Homeowners
Featured offer
0% interest for 18 months
On qualifying installs over $4,000. Equal monthly payments required. Wells Fargo financing, on approved credit.
Built for real households
Replace a system without draining the savings account.
Most of our installs are financed. We sit down at the kitchen table, walk through the Wells Fargo offers, and pick the term that fits your monthly budget — not whatever the lender wants to push.
- Soft credit pull at the estimate — no impact on your score
- Most applications get a same-day decision
- Plans from 0% promo to 12-year fixed terms
Plan options
A plan for every project size.
We work with multiple lenders so you can pick the term that fits your budget. Compare your options during your free in-home estimate.
- Most popular
0% Promo Financing
0% APR for up to 18 months
Equal monthly payments required. On approved credit.
- Best for system replacements you can pay off within the promo window
- No interest if paid in full by the end of the promo
- Quick same-day decisioning
Reduced-Rate Term
Reduced fixed APR · 5–10 year terms
Low predictable monthly payment.
- Best for full-system installs
- Lower payments stretched over a longer term
- Fixed rate — no surprise rate hikes
Long-Term Financing
Up to 12-year term · Fixed APR
No prepayment penalty. OAC.
- Best for high-value heat pump conversions
- Lowest monthly payment option
- Pays off the system over its useful life
How it works
Four steps from quote to install.
Step 1
Free in-home estimate
We measure, recommend, and put numbers on paper. You leave with a written quote.
Step 2
Pick a plan
We walk through monthly payment options on every applicable financing tier.
Step 3
Apply in minutes
Soft credit pull first, formal application after. Most applications decision same-day.
Step 4
We install
Approved? We schedule the install. You pay the lender directly — never us.
Why finance instead of repairing again
The math usually works in your favor.
Energy bills drop immediately
A new heat pump or high-efficiency furnace can cut energy bills by 20–40%, often offsetting the monthly payment.
New equipment = full warranty
Skip the cycle of throwing money at an aging system. New equipment comes with a 10-year manufacturer warranty.
Stack with rebates
Combine financing with Energy Trust of Oregon rebates and federal tax credits to maximize what comes off your out-of-pocket cost.
Heads up: Energy Trust of Oregon rebates and federal Inflation Reduction Act tax credits can dramatically reduce the loan size on heat pump systems, sometimes by $3,000–$8,000 combined. Ask us about rebate eligibility during your estimate.
Decide at the kitchen table
Three options. No pressure. Most homeowners decide same-day.
Wells Fargo application happens during the estimate — soft credit pull first, formal app in minutes. We walk through three honest equipment-and-payment options, then leave you alone with a written quote to think it over.
Financing questions
- We start with a soft credit pull that doesn’t affect your score. The formal application happens only after you’ve picked a plan and pre-qualified.
- Wells Fargo and our other lending partners typically approve homeowners with a 650+ FICO score for the 0% promo. Lower scores can still qualify for reduced-rate or long-term plans.
- No. You can pay off the loan early at any time without penalty on every plan we offer.
- Yes — financing is a payment plan, not a discount, so it stacks with most install coupons. The free in-home estimate is always free regardless of financing.
- Financing is built for installs and major repairs ($1,000+). Smaller repair invoices are usually paid at time of service.
- Absolutely — many homeowners pay cash, use a HELOC, or finance through their bank. We don’t pressure you toward our partners.
Pre-qualify in minutes
Apply during your free in-home estimate.
Soft credit pull first, then a quick formal application. Most decisioned same-day. We don't push you toward any particular plan; we explain the options and let you choose.