HVAC Financing in Philadelphia
Flexible Payment Options for Heating & Cooling Work
When your heating or cooling system needs attention, cost shouldn’t stand in the way of keeping your home comfortable. We offer several financing programs to fit different budgets and credit situations, so Philadelphia-area homeowners can move forward with the work they need without delay.
NEIF Financing
Looking to make energy improvements to your home? The National Energy Improvement Fund makes financing for energy-efficient home improvements easy and affordable. We focus on increasing the affordability of energy-efficient enhancements through transparent, simple, fixed-rate, low-payment unsecured installment loans with no fees to the borrower and no prepayment penalties. Discover more about our energy-efficiency financing and explore the options available to you.
National Energy Improvement Fund is the nation’s only B Corp™ certified improvement lender, meeting the highest standards of social & environmental impact, fairness, compliance, and accountability to contractors and their customers.
Eligible Home Improvements
Home improvements are program-specific and may include:
- Heating and Cooling
- Windows, Doors, Siding, and Roofing
- Air Sealing & Insulation
- Electrical, Plumbing, Kitchens, and Baths
- Home Performance with ENERGY STAR®
- Geothermal, Solar, and Other Energy Projects
Why “Promotional” Financing Often Falls Short
Transparent financing programs for energy-efficient home improvements are hard to come by. Those that appear to be low fixed rates transform into credit card-type programs, where your interest rate skyrockets to 25 or even 30 percent after the promotional term. With no patience for late payments, these programs prey on the misfortune of customers.
Understanding that subsidizing “zero percent” or other artificially low rates for longer-term unsecured financing may result in a higher overall product price is the first step in choosing the right program. Sometimes your utility or state may subsidize the program, which doesn’t add to your cost, so be sure to check out those programs. The National Energy Improvement Fund’s simple, transparent, and fair financing means the rate is locked in for the term and isn’t subject to change like many credit products offered through retailers or manufacturers.
Special Features Include
Apply Now
We’re an approved NEIF contractor, so you can apply directly through Peters Associates to receive financing for your energy or resilience improvements with low monthly payments.
Apply Online for NEIF Financing
SNAP Financing
Big purchase or unplanned expense? Snap can help. Snap Loan helps consumers of all credit types¹, especially those who’ve had credit challenges in the past and may not qualify for traditional financing. Snap’s application is easy, and you’ll find out in seconds if you’ve been approved.
To apply, you’ll need:
- Be of legal age to enter into a contract
- Have a monthly income of at least $1,000
- Have an active checking account
- Provide a valid email address and smartphone number
That’s it. You can apply online, or we can help you through the process. Snap offers flexible payment options that fit your pay schedule, so it’s convenient too. With approvals up to $5,000², don’t wait. Get what you need today with Snap.
*The advertised financing may be originated by one of several lenders. All loans or retail installment contracts originated by our lending partners will be serviced by Snap Finance LLC. For more detailed information, please visit here.
¹While no credit history is required, Snap obtains information from consumer reporting agencies in connection with the loan application. Not all applicants are approved.
²Not all applicants will be approved for $5,000.
GreenSky Financing
6.99% for 60 Months or 12 Months No Interest, No Payments*
We have partnered with GreenSky® to provide financing options to help you manage the cost of a new system.
With approved credit, you’ll gain access to monthly payments, fair interest rates, and flexible terms, allowing you to enjoy a new system that truly meets your needs while working within your monthly budget to spread out your purchase over a longer period.
*Other financing options available upon request.
Loans for the GreenSky® consumer loan program are provided by Synovus Bank, Member FDIC, NMLS #408043, without regard to age, race, color, religion, national origin, gender, disability, or familial status. GreenSky Servicing, LLC services the loans on behalf of your lender, NMLS #1416362. www.nmlsconsumeraccess.org. GreenSky® is a registered trademark of GreenSky, LLC and is licensed to banks and other financial institutions for their use in connection with that consumer loan program. GreenSky Servicing, LLC is a financial technology company that manages the GreenSky® consumer loan program by providing origination and servicing support to banks and other financial institutions that make or hold program loans. GreenSky, LLC and GreenSky Servicing, LLC are not lenders. All credit decisions and loan terms are determined by program lenders.
Get Started with Financing Today
We accept credit cards, ACH, and standard payment methods, and our financing programs offer real options no matter your credit situation. Whether you’re replacing a system or investing in energy upgrades, we can help you find the right path forward.
