Financing Your New System
A new AC or furnace is a big expense to take on all at once. Flexible financing options let you get comfortable now and pay over time — with no pressure to choose the most expensive system to make the math work.
When a repair-or-replace conversation lands on replacement, we'll walk through financing options alongside the equipment choices — so the decision is about the right system for your home, not just what fits this month's budget.
We'll also flag every current Dominion Energy, Washington Gas, and manufacturer rebate your project qualifies for before you commit — see our Rebates & Savings page for the current list.
Our financing partner
We offer financing through Acorn Finance, which lets you compare personalized offers from multiple lenders in one place — so you see real terms before committing to anything.
Checking your rate takes about a minute and uses a soft credit pull, so it does not affect your credit score. If the numbers don't work for you, walk away — no obligation, and no change to how we quote your system.
Free estimates
Every replacement quote is free, in person, and honest about whether you need it at all.
Flexible terms
We'll walk through the options with you during your estimate and help you find a plan that fits.
No pressure
Financing is offered as an option, never a requirement — and never used to push a bigger system than you need.
How do I apply for financing?
Ask during your free estimate, or check your rate ahead of time through Acorn Finance. Either way we'll walk you through the options and next steps — no separate application process to navigate alone.
Will checking my financing rate hurt my credit score?
No — Acorn Finance uses a soft credit pull to show you personalized offers, which does not affect your credit score. A hard pull only happens if you choose to move forward with a specific lender.
Who is Acorn Finance?
Acorn Finance is a financing marketplace that connects homeowners with multiple lenders at once, so you can compare offers side by side instead of applying one at a time. We partner with them so you get real, competitive terms on your HVAC project — not a single take-it-or-leave-it number.
Can I finance a repair, or only a full replacement?
Financing is most commonly used for full system replacements, but larger repairs may qualify too. Ask us during your visit and we'll tell you honestly whether financing makes sense for the work in front of you.
Does financing cost more than paying cash?
It depends on the term and plan you choose — we'll show you the real numbers so you can compare, no hidden fees sprung on you later.
Get a free estimate
We'll walk through equipment, financing, and rebates together — no pressure, no obligation.