Why Finance Your Repair or Replacement?
A failing furnace, burst pipe, or failed water heater can’t wait — but a $3,000–$12,000 repair shouldn’t have to derail your finances either. Our financing partners let you get the work done now and spread payments over time at manageable monthly rates.
GreenSky Financing
Industry-leading home improvement financing with promotional no-interest periods and fixed monthly payment plans.
- 6–18 month deferred interest options
- Fixed monthly payment plans up to 60 months
- Fast approval — often same day
- No prepayment penalties
Subject to credit approval. Ask us for current promotional rates.
Wells Fargo Home Projects
Competitive rates for larger projects like full HVAC replacement, repiping, or sewer lateral replacement.
- Loans from $1,000 to $100,000
- Fixed interest rates, predictable payments
- Ideal for heat pump installations
- Flexible terms to fit your budget
Subject to credit approval. Terms vary by credit profile.
What Can Be Financed?
Virtually any service we offer qualifies for financing. Common financed projects include:
Combine Financing with Tax Credits & Rebates
Heat pump installations, high-efficiency water heaters, and HVAC upgrades may qualify for significant incentives on top of financing:
- Federal IRA Tax Credit (25C): Up to $2,000 for qualifying heat pumps; up to $600 for high-efficiency water heaters
- PG&E Rebates: Up to $1,200 for qualifying heat pumps and heat pump water heaters
- TECH Clean California: Additional incentives for electrification upgrades
See our guide to California heat pump tax credits and rebates for full details. We help you navigate and apply for every available incentive.
How to Apply
- Get your free estimate — Call (707) 584-0714 or submit a request online. We diagnose the issue and provide a written quote.
- Choose your financing plan — We’ll walk you through available options based on the project scope. Most applications are approved within minutes.
- We do the work — Once approved, we schedule and complete the job. You make monthly payments directly to the financing company.
Financing FAQ
Does applying affect my credit score?
Initial qualification checks are typically soft inquiries. A full application may involve a hard inquiry — the financing company will disclose this before you apply.
Is there a minimum project amount?
Most financing programs start at $500–$1,000. Emergency repairs and smaller jobs under $500 may not qualify but often don’t need it.
Can I pay it off early?
Yes — there are no prepayment penalties on most plans.
What credit score do I need?
Options are available for a range of credit profiles. Ask us — we’ll find the best fit for your situation.