Three financing partners, one application
Keith's works with three lenders to cover every situation: Service Finance, FTL Finance, and Synchrony. Different lenders serve different credit profiles and different loan amounts, so we run the option most likely to approve you.
Popular financing options
- 0% APR for 12 months: great for smaller replacements ($3,000-$6,000). Pay off in a year, zero interest.
- 0% APR for 18-24 months: for mid-range installs. Higher monthly, still zero interest if paid off in the promo window.
- Low-APR 60-120 month terms: for full system installs. Monthly payment matches a modest utility bill savings, cash flow-friendly.
- Deferred payment: no payment for 90 days available on select promotions.
How the application works
5-minute application, credit decision in minutes. Soft pull for pre-qualification (doesn't ding your credit), hard pull only when you accept an offer. Approval doesn't require perfect credit; we've financed customers across the entire credit spectrum.
What you need
- Photo ID
- Social Security number
- Monthly income info
- Housing payment amount
The real math
A $9,000 system on 0% APR for 24 months = $375/month for 24 months. That same install on 84-month low-APR terms might run $135/month.
Compare to your current electric bill: a 15-year-old system running at 10 effective SEER vs. a new 16 SEER2 system will save $50-$100/month on your electric bill. On many installs, the financing payment is fully offset by utility savings within 24 months.
Ready to apply?
Call (228) 265-8609 or mention financing when you request your free in-home estimate. We'll walk you through the options during the quote visit.