Financing Your New Air Conditioning or Heating Equipment Purchase

Hearth Financing Solutions

Hearth allows home improvement pros to offer customers more ways to pay through digital quotes with one-click financing options built right in.

Offer financing options to your customers for their HVAC repairs and replacements when they need it. Customers love how our easy-to-use pre-qualification form can give them estimated monthly payment options for their projects in minutes. Best of all, checking their options doesn’t affect their credit, and you and your customers see the maximum amount they can borrow for their ideal project. Our partners work with homeowners with FICO scores as low as 550 and offer loans up to $250,000.

Please contact us to find out which financing options are available to you, or to learn about special financing promotions.

Illinois Energy Efficiency Loan Program - EFS

The Illinois Energy Efficiency Loan Program is available through Energy Finance Solutions (EFS)—the financing arm of Slipstream— and brought to you by participating gas and electric utilities:

Energy efficiency investments are a cost-effective means to decrease energy consumption, enhance building comfort, and reduce utility bills. Despite the benefits of energy efficiency investments, high upfront costs can be a significant barrier to investing in home energy improvements. The Illinois Energy Efficiency Loan Program allows utility customers to pay for the investments through a monthly loan charge on their utility bill.

Loan Features

Residential owner-occupied and tenant occupied, single-family (1-4 unit) homes, condominiums and mobile homes
Unsecured loan (homeowner provides no collateral) added to your monthly utility bill
Borrowers can finance $500 - $20,000
Fixed rate loan terms: 4.99% interest rate for 1, 3, 5, 7*, and 10* years
No fees, points, or closing costs
No prepayment penalty, can pay in full at any time
Can finance 100% of installation costs
Quick approval process

*The loan amount must be greater than $8,000 to utilize a 7 or 10 year loan term. Rates subject to change, customers are subject to the current rate at time of application.

Click Here for eligible products and efficiencies.

Apply Now

Wells Fargo Bank, N.A.

Wells Fargo Bank, N.A. offers several special options for financing your new product or service with approved credit. That way, you can invest in your home's comfort or respond to an unexpected heating and cooling need without breaking your budget.

With approved credit from Wells Fargo Bank, N.A., you'll enjoy:

Convenient monthly payments
Special financing terms
Easy online account management

Plus, by taking advantage of financing, you won't use up your existing funding sources, like a home equity line of credit, other credit card or bank account. They will still be available when you need them.