On approved credit
HVAC Financing & Payment Plans — Duluth, Superior & the Twin Ports
A furnace does not fail at a convenient time. Payment plans let you put in the right system rather than the cheapest one that fits this month.
$89 diagnostic, credited toward the repair when you approve the work. Answered 24/7.
Short answer
Do you offer financing?
Yes — monthly payment plans on new systems, on approved credit, with terms disclosed in writing at quote time. Utility rebates reduce what you finance, so ask for the net figure rather than the sticker price. We are not a lender and we do not take payment details on this website.
How it works
Monthly payment plans on new systems. Approved credit, terms disclosed at quote. You apply through our financing partner, not through us — we never see or handle your financial details, and we will never ask for a card or bank number over the phone or through this site.
The application happens at quote stage, so you know the monthly figure before committing to anything. Terms, rate and any promotional period are disclosed in writing.
Get the net number, not the sticker
The figure worth financing is what remains after incentives. On a heat pump in particular, utility rebates can take a real bite out of the installed cost, which changes the monthly payment materially. Ask us to quote the net.
It also changes which system makes sense. A heat pump that looks more expensive than a plain air conditioner on the sticker frequently lands at or below it once the incentives are applied — and then it heats as well as cools. See the rebate guide.
The honest caution
Financing is a tool, not a reason to buy more equipment than you need. If your furnace has a $250 flame sensor problem, the right answer is a $250 repair, not a financed replacement — and we will tell you that. Financing is for the cases where the system genuinely needs replacing and spreading the cost is what makes the correct specification possible.
We also will not use a payment plan to obscure a price. You get the full installed cost and the monthly figure side by side.
Commonly financed work
No heat? Call us now.
We answer 24 hours a day, every day of the year — Duluth, Superior and every town within 45 miles, in both states. $89 diagnostic, credited toward the repair when you approve the work.