Flexible financing.
No surprises.
A new heating or cooling system is a major investment in your home. We don't want budget concerns to stand in the way of your family's comfort. We have partnered with Wisetack to offer flexible, transparent financing for your installations and major repairs.
Simple, transparent financing with Wisetack.
Three steps to a more comfortable home.
Step 01
Quick Application
Apply online in minutes without affecting your credit score to see what you prequalify for.
Step 02
Clear Terms
Review your options. There are no hidden fees, and you will know exactly what you will pay.
Step 03
Easy Payments
Enjoy your new, efficient HVAC system while making convenient monthly payments.
Designed to be easy.
Whether you need to replace an aging system or repair a major component, financing makes it manageable.
- No hard credit check to apply
- Decisions in seconds
- Rates from 0% APR available
- Terms up to 60 months
- No hidden fees
- 100% transparent process
Get prequalified today.
Start the process now and get the premium HVAC system your home deserves.
See the monthly math — the whole spread.
Most payment calculators show you the best-case teaser and hide the rest. This one shows every rate scenario Wisetack publishes — 0% promo terms where offered, their own 9.9% example rate, and the 35.9% top of the range — so you know the bounds before anyone runs numbers on you.
Checking your options is a soft check — per Wisetack's published terms it doesn't impact your credit score, and there are no prepaid finance charges or participation fees.
Financing through Wisetack runs $500–$65,000 with terms from 3 months up (most merchants 3–60 months). Your real offer comes from prequalification, not a slider.
Start from a published range (mid-range example)
Repayment term
0% APR
Promo terms for qualifying customers where offered
$194.44/mo
$7,000.00 total over 36 months
9.9% APR
Wisetack's own published example rate
$225.54/mo
$8,119.51 total over 36 months
35.9% APR
Published maximum of the range
$320.23/mo
$11,528.21 total over 36 months
Example math from Wisetack's public disclosures (checked 2026-07-15), not an offer: all financing is subject to credit approval through Wisetack's lending partners; offers range 0%–35.9% APR based on amount requested and creditworthiness; terms vary by transaction; not all merchants and lending partners participate in 0% programs; state interest-rate caps may apply. Your actual terms come from prequalification. Placement: financing-page.
Stack the rebates first, then finance the rest.
Wisconsin's live programs knock real money off qualifying equipment before a single payment is calculated. Verified 2026-07-14 — and yes, the federal 25C credit is over (ended December 31, 2025), so nobody should be dangling it at you.
Focus on Energy
Focus on Energy — natural gas furnace instant discount
$100 standard / $400 income-qualified off a 95%+ AFUE furnace
Source ↗Focus on Energy
Focus on Energy — air-source heat pump instant discount
Tier 1-4: $400 / $500 / $600 / $700 by SEER2-HSPF2 tier; income-qualified $600-$900; propane-replacement bonus $100-$150
Source ↗Wisconsin IRA
Wisconsin IRA HEAR (Home Electrification & Appliance Rebates)
Up to $8,000 toward a qualifying heat pump for income-qualified households
Source ↗Wisconsin IRA
Wisconsin IRA HOMES (Home Efficiency Rebates)
$1,500-$10,000 by modeled energy savings and income; all income levels eligible
Source ↗
Eligibility depends on equipment efficiency, household income, and program funding — we confirm what your project actually qualifies for at the quote. Check your address.