FINANCING OPTIONS
OPTION 1
Our company partners with Mosaic for residential customer financing with a home improvement loan for an AC and/or furnace replacement or new installation. Only individuals may apply (no co-applicants, joint applicants, nor cosigners), and your name must appear on the title of your home.
The personal loan amounts range between $6,001 to $55,000 W.A.C. All loans are subject to credit approval, but Mosaic generally approves most applicants with a minimum credit score of 660. There are no origination fees or prepayment penalties.
The link below will allow you to pre-qualify with a soft inquiry, which will not impact your credit score. On the pre-qualification form, be sure to enter your gross income (pretax) and any other combined personal income. You will be notified of your approval status within minutes.
If you qualify, Mosaic’s loan offer will be valid for 60 days.
Our company will be notified once you complete the prequalification form. We will then request Mosaic send you the loan agreement to view and e-sign. Please let us know if you have any questions.
5-Year Term
Subject to credit approval. Fixed APR of 14.24% or 13.99% (0.25% discount with AutoPay*) for 60 months.
7-Year Term
Subject to credit approval. Fixed APR of 14.24% or 13.99% (0.25% discount with AutoPay*) for 84 months.
*All financing is subject to credit approval. Your terms may vary. All Home Improvement Loans through the Mosaic platform are made by WebBank, Equal Housing Lender, Member FDIC.
To remain in compliance with the Truth in Lending Act, here is a payment example for RRAPR (Reduced Rate APR): A 12 year, fixed-rate, $20,000 loan with a 9.99% APR would have 144 monthly payments of $238.85. Number of payments and monthly payment amount may vary based on disbursement date(s). Annual Percentage Rate (APR) in the example includes a 0.25% interest rate reduction for borrowers who sign up for automatic payments. Interest Rate and monthly payments will increase if the borrower changes the payment method.
Payment Example for DINP (Deferred Interest Loan): No payments for 12 months – interest will be charged from the start of loan if the principal balance is not paid in full within the deferred interest period.
Payment example: A 10 year, fixed-rate, $20,000 Deferred Interest loan with a 9.99% APR and a 12-month promotional period, would have 120 monthly payments of $288.00, starting after the end of the promotional period. Monthly payment amount may vary based on disbursement date(s). Annual Percentage Rate (APR) in the example includes a 0.25% interest rate reduction for borrowers who sign up for automatic payments. Interest Rate and monthly payments will increase if the borrower changes the payment method.
See additional terms here.
OPTION 2
Wisetack offers financing for HVAC repairs, AC and/or furnace replacement or new installation, and accessories with an APR from 0% to 35.9%* with approved credit. The loan terms range from 3 months to 60 months*, and the loan amounts range between $500 to $25,000* W.A.C. All loans are subject to credit approval, but Wisetack approves most applicants with a credit score of 540+. There are no origination fees, late fees, or prepayment fees.
A link for the loan application can be sent via email upon request for financing. If you qualify, Wistack's approval is valid for 90 days.
You may determine estimated payments with Wisetack's payment calculator.
*All financing is subject to credit approval. Your terms may vary. Payment options through Wisetack are provided by our lending partners.
For example, a $1,200 purchase could cost $104.89 a month for 12 months, based on an 8.9% APR, or $400 a month for 3 months, based on a 0% APR. Offers range from 0-35.9% APR based on creditworthiness. No other financing charges or participation fees.