Financing
Comfort now. Easy payments over time.
HVAC systems don't fail on a schedule. When yours gives out in the middle of summer, you shouldn't have to choose between a comfortable home and your savings. Our financing options make a new system manageable.
How financing works
Simple, transparent, and handled during your in-home estimate.
1. Get your estimate
We visit your home, recommend the right system, and give you a written price for each option.
2. Apply in minutes
If you'd like to finance, your comfort advisor helps you apply. Decisions usually come back quickly.
3. Get comfortable
Once approved, we schedule your installation, often within days, and you make simple monthly payments.
What to know
Financing that fits your budget
- Monthly payment options on approved credit
- Available for AC, furnace, heat pump, and ductless systems
- Clear terms explained before you sign anything
- Can be combined with eligible utility rebates and incentives
- No pressure. Paying in full is always an option too.
Financing is subject to credit approval. Terms, rates, and promotional offers are set by the lender and may change. Your comfort advisor will share current options during your estimate.
Talk to us about your project
Call or send a request and we'll set up an in-home estimate with financing options included.
Call (916) 800-3076 Request an estimateDon't forget rebates and incentives
Depending on the equipment you choose, you may qualify for utility rebates (Elk Grove and Sacramento homes are served by SMUD) or federal tax incentives, especially for high-efficiency heat pumps. These programs change often, so we'll help you check what currently applies and what paperwork you'll need.
Financing questions
What can I finance?
New air conditioners, furnaces, heat pumps, ductless mini-splits, ductwork replacement, and larger indoor air quality projects. Ask us about financing for major repairs, too.
Does applying affect my credit?
That depends on the lender and the type of application. Your comfort advisor will explain how the application works before you apply.
Can I pay the loan off early?
Many plans allow early payoff, but terms vary. The lender's disclosures will spell out the details, and we're happy to walk you through them.
Can I combine financing with rebates?
Often, yes. Utility rebates and tax incentives are separate from financing. We'll help you understand what's available for your project.
Too hot, too cold, or just not right?
Call HUG Heat & Air. A real person will answer, and we'll get someone out to take care of it.