Estimate Your Monthly Payment
Choose a financing plan to see approximate 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 — we're happy to go over everything with you.
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.*
| 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. Required minimum payments are lower but will not pay off the balance in time and will result in interest charges.
Special Rate of 9.99% APR with 96 equal monthly payments
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 |
Equal monthly payments of 1.5228% of the original special terms balance are required.
Special Rate of 11.00% APR with custom monthly payments
11.00% APR| Purchase amount | Monthly payment | Approx. months | Total of payments |
|---|---|---|---|
| $20,000 | $400 | 68 | $26,922.54 |
Custom monthly payments of at least 2.00% of the purchase balance are required. Contact us for an estimate on your specific purchase amount.
Financing details & disclosures
These figures are estimates for illustrative purposes only, provided as a convenience to estimate payments based on amount financed and credit term plan. Your actual payments may differ. You will receive your actual terms and payment amount if you are approved for credit and have selected your credit term plan. Always refer to your invoice and monthly billing statement for details. Estimates assume payments are made timely each period, no interest rate changes, no other balances, no taxes or ancillary charges added, goods delivered on a single date, and the account is not delinquent.
No Interest if Paid in Full within 6 months (Deferred interest promotion). This 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. Interest will be charged to your account from the purchase date at the APR for Purchases if the purchase balance is not paid in full within the promotional period. Paying only the minimum monthly payment will not pay off the purchase balance before the end of the promotional period. For new accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00.
Special Rate of 9.99% APR with 96 equal monthly payments. This 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 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. Because actual account activity may differ from the assumptions used, or because of rounding, the number of payments or the final payment amount could differ. The special terms APR will continue to 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%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00.
Special Rate of 11.00% APR with custom monthly payments. This 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 continue to 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%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00.
Monthly payment is based on purchase price alone excluding taxes and delivery charges. Credit purchases subject to credit approval. Other transactions may affect the monthly payment. Offers are subject to change without notice. This information is accurate as of the date estimates were generated and is subject to change. This calculator provides approximate figures only; for exact terms and other plans that may be available, please contact our office. Ask for details.
Find The Right Financing Plan For Your Home Comfort And Budget Needs
Speak with our team to explore flexible HVAC financing options tailored to you.
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 — for a new heating or cooling system, AC or furnace replacement, heat pump, water heater, and more.
Buy now, pay over time
Spread the cost of your project into convenient monthly payments.
Easy application process
Apply in minutes and get 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.
Many homeowners face the challenge of affording a new HVAC system, especially when it is an unexpected expense. That’s why we offer HVAC financing options that can help you get the comfort and quality you deserve without breaking the bank.
Pay for your HVAC system over time with convenient monthly payments. Save money by upgrading to a more energy-efficient system that can lower your utility bills. Preserve your other funding sources, such as your home equity line of credit, credit card or bank account, for other emergencies or expenses. Enjoy peace of mind knowing that your HVAC system is covered by our warranty and service
Applying for our financing options is fast and easy. You can get approved in minutes and choose the terms that suit your budget. Don’t let the cost of a new HVAC system stop you from enjoying the comfort and quality you deserve. Contact us today to learn more about our HVAC financing options and get a free estimate for your new HVAC system.
Not at all. Many programs offer instant prequalification with no credit impact, especially if your credit score is fair or better. Some lenders also provide solutions for lower credit scores.
The “$5,000 rule” suggests multiplying the age of your HVAC system by the estimated repair cost. If that number exceeds $5,000, replacement might be more cost-effective than repair.
Yes, reputable HVAC companies like EMCO Tech offer flexible financing options through trusted lenders like GreenSky® or Wells Fargo®. These options make home comfort more affordable.
Many HVAC financing programs accept scores as low as 600, but better terms are usually available with scores of 680+. Some plans offer 0% APR with approved credit.
Yes. EMCO Tech offers prequalification tools with no credit check required. These options allow homeowners to explore monthly plans without affecting their score.
Typical terms range from 12 to 120 months. Shorter plans may offer 0% APR, while longer terms spread payments for better budget control.
At EMCO Tech Heating & Cooling, you can finance a wide range of HVAC equipment and installation projects through our partners, including Wells Fargo and GreenSky®. Eligible items include air conditioning systems, ductless mini-splits, complete HVAC systems with ductwork for new construction, high-efficiency boilers, traditional and power vent water heaters, and comprehensive system replacements. Whether you need residential cooling upgrades or large-scale heating installations, flexible financing options are available to match your budget and comfort needs.
Find Best Financing Options Today!
For more information about HVAC financing and current promotions, please call us today 215.366.1001 or fill out the form below:
215.366.1001
Monday – Saturday:
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Gas Line Repair Services
- Interior gas line leak detection, pressure testing, and code-compliant repairs
- Gas shut-off valve and appliance connector replacement (furnace/boiler/water heater/range)
- Branch line reroutes, meter-to-appliance piping (customer side), CSST evaluation & bonding
- Appliance relight/startup after utility restores service (as appropriate)
Note: Utility-side equipment (street service/meter) is handled by the gas utility. We service customer-owned interior piping and appliance connections.
Fast, local coverage
Need emergency gas leak repair near me? EMCO Tech provides same-day, code-compliant fixes with clear estimates.
Flexible HVAC Financing Solutions at EMCO Tech Heating & Cooling
Navigating the financial aspects of HVAC upgrades doesn’t have to be stressful. At EMCO Tech Heating & Cooling, we provide comprehensive Financing for HVAC systems to ensure you can secure the necessary upgrades without financial burden. Whether it’s HVAC financing with no credit check or 0% financing on HVAC systems, our flexible options are designed to meet your financial situation. Moreover, we offer diverse HVAC financing options, including exclusive HVAC payment plans that make it easier to manage the costs of your heating and cooling needs.
Comprehensive Heating and Cooling Financial Assistance
Unlock the potential of your home comfort system without the upfront financial worry. EMCO Tech Heating & Cooling specializes in accessible heating and cooling financing options that cater to all credit profiles, including programs for HVAC financing bad credit. Our air conditioning financing plans allow you to get the immediate relief you need from the heat, and our no interest HVAC financing offers mean you can invest wisely without extra costs. Also, we’re ready to support you with emergency maintenance services to ensure your system’s longevity and efficiency.
HVAC (heating, ventilation, air-conditioning) financing is challenging for anyone especially new home owners who need a heating and air-conditioning unit in their homes, but don’t know how to finance it. Financial options make it possible for homeowners to pay the cost of their HVAC system over time through convenient monthly installments..
HVAC Financing: A Smart Solution for Your Home Comfort
Do you need a new HVAC (heating, ventilation, air-conditioning) system for your home, but you are worried about the cost? You are not alone. Nevertheless, many homeowners face the challenge of affording a new HVAC system, especially when it is an unexpected expense.
That’s why we offer HVAC financing options that can help you get the comfort and quality you deserve without breaking the bank. With our financing options, you can:
- Pay for your HVAC system over time with convenient monthly payments
- Save money by upgrading to a more energy-efficient system that can lower your utility bills
- Preserve your other funding sources, such as your home equity line of credit, credit card or bank account, for other emergencies or expenses
- Enjoy peace of mind knowing that your HVAC system is covered by our warranty and service (Get your maintenance plan)
Applying for our financing options is fast and easy. You can get approved in minutes and choose the terms that suit your budget. Don’t let the cost of a new HVAC system stop you from enjoying the comfort and quality you deserve. Contact us today to learn more about our HVAC financing options and get a free estimate for your new HVAC system. Link to EMCO Tech Brochure PDF.
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