Financing
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Financing Options
SpectrumAC
The SpectrumAC Platform is designed to help you apply and find options for your HVAC Financing or leasing needs, all in one smooth process.
Options Include:
- Quick decisions on a credit card application with Wells Fargo Bank, N.A.*
- Special Financing Terms where available*
- Convenient monthly payments to fit your budget
- Lease Purchase options for customers that may need an alternative option to financing.
*The Credit Card issued with approved credit, by Wells Fargo Bank, N.A.,an Equal Housing Lender
Spire
When it’s time to upgrade or replace natural gas appliances, choose a special financing option through Spire in a few simple steps.
Chowder Financial
Chowder Financials' Lease-to-Own Program is a flexible financing solution that helps homeowners acquire their HVAC systems and repairs without the burden of traditional financing.
- Accepts credit scores as low as 400
- Flexible Term Offers
- Predictable Monthly Payments
- Paperless Process
Financing Options
SpectrumAC
The SpectrumAC Platform is designed to help you apply and find options for your HVAC Financing or leasing needs, all in one smooth process.
Options Include:
- Quick decisions on a credit card application with Wells Fargo Bank, N.A.*
- Special Financing Terms where available*
- Convenient monthly payments to fit your budget
- Lease Purchase options for customers that may need an alternative option to financing.
*The Credit Card issued with approved credit, by Wells Fargo Bank, N.A.,an Equal Housing Lender
Spire
When it’s time to upgrade or replace natural gas appliances, choose a special financing option through Spire in a few simple steps.
Chowder Financial
Chowder Financials' Lease-to-Own Program is a flexible financing solution that helps homeowners acquire their HVAC systems and repairs without the burden of traditional financing.
- Accepts credit scores as low as 400
- Flexible Term Offers
- Predictable Monthly Payments
- Paperless Process
Regions Bank
12-Month Same-As-Cash Loan
Credit and loans provided by Regions Bank, Member FDIC (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 19.99% fixed APR (however, APR will not exceed 15.99% for residents of New Jersey and 17.99% for residents of Florida and Wisconsin), effective as of February 2026, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Interest is waived if repaid in 365 days. Repayment terms vary from 24 to 132 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment is due 365 days after funds are disbursed. If no payments are made during the same-as-cash period and the APR is 19.99%, monthly payments range from $21.99 to $30.82 per $1,000 borrowed depending on term. The minimum monthly payment will be no less than $50.00.
Traditional Installment Loan
Credit and loans provided by Regions Bank, Member FDIC (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 8.99% to 24.49% fixed APR (however, APR will not exceed 15.99% for residents of New Jersey and 17.99% for residents of Florida and Wisconsin), subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Repayment terms vary from 12 to 144 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment is due 30 days after funds are disbursed. Monthly payments range from $11.37 to $29.03 per $1,000 borrowed depending on term and interest rate. The minimum monthly payment will be no less than $50.00.
9.99% APR 5-Year Loan
Credit and loans provided by Regions Bank, Member FDIC (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 9.99% fixed APR, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Repayment term is 60 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment is due 30 days after funds are disbursed. 60 monthly payments of $21.24 per $1,000 borrowed. The minimum monthly payment will be no less than $50.00.
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Financing Options Available
We offer a variety of options. Call to learn about the details.
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Shannon Hataway
Erica Fox
