See Your Monthly Payment
Choose a financing plan to see monthly payment examples. Financing provided with approved credit by Wells Fargo Bank, N.A.
For full details and to see every plan that may be available, one of our managers will walk you through your options. Request a callback, call or text 215-366-1001, or email [email protected]. Additional financing options may be available, and we're happy to go over everything with you.
No Interest if Paid in Full within 6 months1
Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period. See below for full financing terms.
| Purchase amount | Suggested monthly payment** | Months |
|---|---|---|
| $5,000 | $834 | 6 |
| $10,000 | $1,667 | 6 |
| $15,000 | $2,500 | 6 |
| $20,000 | $3,334 | 6 |
Making the suggested monthly payment each month would pay the purchase amount by the end of the promotional period.
**Monthly payment is based on purchase price alone excluding taxes. Credit purchases subject to credit approval. Other transactions may affect the monthly payment.
Special Rate of 9.99% APR with 96 equal monthly payments2
Minimum purchase of $7,500 required. See below for full financing terms.
9.99% APR| Purchase amount | Monthly payment** | Months | Total of payments |
|---|---|---|---|
| $10,000 | $153 | 96 | $14,688 |
| $15,000 | $229 | 96 | $21,984 |
| $20,000 | $305 | 96 | $29,280 |
**Monthly payment is based on purchase price alone excluding taxes. Credit purchases subject to credit approval. Other transactions may affect the monthly payment.
Special Rate of 11.00% APR with custom monthly payments3
See below for full financing terms.
11.00% APR| Purchase amount | Monthly payment** | Approx. months | Total of payments |
|---|---|---|---|
| $20,000 | $400 | 68 | $26,922.54 |
**Monthly payment is based on purchase price alone excluding taxes. Credit purchases subject to credit approval. Other transactions may affect the monthly payment.
See full financing terms
No interest if paid in full within 6 months. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.
1The Carrier® credit card is issued by Wells Fargo Bank, N.A., an Equal Housing Lender. Special terms apply to qualifying purchases charged with approved credit. Minimum monthly payments are required during the promotional (special terms) period. However, paying only the minimum monthly payment will not pay off the purchase balance before the end of the promotional period. If the purchase balance is not paid in full within the promotional period, interest will be charged to your account from the purchase date at the APR for Purchases. For new accounts, the APR for Purchases is 28.99%. Current cardholders should refer to their credit card agreement for details, including APR and applicable fees. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is subject to change; for current information, visit wellsfargo.com/plccterms (PDF).
Special Rate of 9.99% APR with 96 equal monthly payments. 2The Carrier® credit card is issued by Wells Fargo Bank, N.A., an Equal Housing Lender. Special terms apply to qualifying purchases of $7,500 or more charged with approved credit. The special terms APR of 9.99% will apply to the qualifying purchase, and 96 monthly payments equal to 1.5228% of the original special terms balance are required. The advertised terms are an estimate assuming required monthly payments are made on the payment due date, no other balances are currently carried or will be carried on the account, and no additional charges are or will be added to the account. Because actual account activity may be different than the assumptions used, or because of rounding, the number of payments or the final payment amount could be different than the advertised terms. The special terms APR will apply until all qualifying purchases are paid in full. The APR for Purchases will apply to certain fees (such as a late payment fee) or if you use the card for other transactions. For new accounts, the APR for Purchases is 28.99%. Current cardholders should refer to their credit card agreement for details, including APR and applicable fees. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is subject to change; for current information, visit wellsfargo.com/plccterms (PDF).
Special Rate of 11.00% APR with custom monthly payments. 3The Carrier® credit card is issued by Wells Fargo Bank, N.A., an Equal Housing Lender. Special terms apply to qualifying purchases charged with approved credit. The special terms APR will apply until all qualifying purchases are paid in full. Monthly payments of at least 2.00% of the purchase balance are required during the promotional (special terms) period. The APR for Purchases will apply to certain fees (such as a late payment fee) or if you use the card for other transactions. For new accounts, the APR for Purchases is 28.99%. Current cardholders should refer to their credit card agreement for details, including APR and applicable fees. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is subject to change; for current information, visit wellsfargo.com/plccterms (PDF).
Find the Right Payment Plan for Your Home and Budget
Our office will help you compare the plans and pick the payment that fits your project.
Flexible Financing Available
Don't let a breakdown or a major upgrade wait. EMCO Tech Heating & Cooling offers financing through Wells Fargo Bank, N.A., so you can get comfortable now and pay over time. Use it for a new heating or cooling system, a furnace or AC replacement, a heat pump, a ductless mini split, a boiler, or a water heater.
Buy now, pay over time
Spread the cost of your project into convenient monthly payments.
Easy application process
Apply online and receive a quick credit decision.
Ready when you need us
From repairs to planned replacements, financing is there when you are.
*Financing provided with approved credit by Wells Fargo Bank, N.A. ⌂ Equal Housing Lender. Ask for details.
Yes. A credit check is always part of the Wells Fargo application, and approval isn’t guaranteed. Any real financing plan works the same way, so be careful with offers that skip the credit check entirely. Those are usually lease-to-own deals that cost far more in the end, and you may not own the equipment until the last payment. If someone hands you one, ask us before you sign it. We’ll show you what a regular payment plan on the same system would cost, so you can compare the monthly payment and the total side by side before you decide.
It’s a deferred interest promotion on the Wells Fargo credit card. Pay the full purchase amount within 6 months and you pay no interest. If any of the balance is left when the 6 months end, interest is charged from the original purchase date at the card’s regular purchase APR, not just on what’s left. The minimum payments during the promotion won’t pay it off in time, so divide the total by 6 and pay that each month. The payment estimator on this page shows the suggested monthly payment for common amounts.
Most heating and cooling projects we install: gas and electric furnaces, central air conditioners, heat pumps, ductless mini splits, boilers, and water heaters, plus the ductwork, thermostat, and electrical work that go with them. You can also use it for a major repair when replacement doesn’t make sense yet. Financing can cover the whole job price on your written estimate, up to your approved credit limit, so you get one monthly payment instead of separate bills.
Our rule of thumb: replace when the system is 15 or more years old, or when one repair costs more than a third of a new system. Below that, a repair usually makes more sense, and financing a repair costs far less than financing a whole system. When it’s close, we’ll give you a written price for both, so you can compare the monthly payment on a new system against the repair cost and the age of what you have. Our repair or replace guide walks through it in more detail.
Click the “Apply Online” button above. Most credit decisions come back quickly, so you can usually have financing in place before we schedule the installation. If you’d rather see the price first, we’ll come out, give you a written estimate for the whole job, and then help you pick the plan that fits your budget. There’s no cost to ask and no pressure to finance.
Ask About Financing
Questions about HVAC financing or current promotions? Call 215-366-1001 or fill out the form below and our office will get back to you. This form is not an application for credit.
215.366.1001
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HVAC Financing for Heating and Cooling Across Greater Philadelphia
A new heating or cooling system is a big purchase, and it rarely comes at a convenient time. EMCO Tech Heating & Cooling offers HVAC financing through Wells Fargo Bank, N.A., so homeowners in Philadelphia and Montgomery, Bucks, Chester, and Delaware counties can replace a failing system now and pay over time. Financing works for furnace and heating replacement, AC installation, heat pump installation, ductless mini splits, boiler installation, and water heater replacement, plus the ductwork and electrical work that go with them.
Payment Plans, Credit, and What to Expect
Financing is available, subject to credit approval. A credit check is always part of the application, and approval isn’t guaranteed. We’ll show you exactly what each plan costs before you sign anything.
Why Homeowners Finance a New HVAC System
- Replace a failing system before it quits on the coldest or hottest day of the year
- Choose the right system for your home, not just the one you can pay for today
- Keep cash and home equity free for other expenses
- Spread a furnace, AC, or heat pump replacement into a predictable monthly payment
Every replacement starts with a free in-home estimate and one written price for the whole job. Keep the new system running with one of our HVAC service plans. Call 215-366-1001 or fill out the form above to get started. You can also download our printable brochure.
Experience the EMCO Tech Difference - Visit Our HVAC Service & Location Pages
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