How do I apply for financing?

Applying is easy! During your free estimate, your Kodiak technician can help you apply on the spot. Most homeowners get approved within minutes. You can also call us at (704) 821-3632 to discuss your options.

What credit score do I need?

We work with multiple financing partners to serve a range of credit profiles. While better credit typically means better terms, many homeowners with fair credit can still qualify. The only way to know for sure is to apply—and it takes just a few minutes.

Is there a down payment required?

No down payment is required for most qualified buyers. You can finance 100% of your HVAC installation with approved credit.

Can I pay off my loan early?

Absolutely! There are no prepayment penalties on our financing options. Pay it off whenever you want without any extra fees.

What happens if I miss a payment?

Like any loan, missed payments can result in late fees and may affect your credit. We recommend setting up automatic payments to avoid any issues.

Affordable Payment Options

Affordable HVAC Financing

0% APR financing for up to 18 months. Payments as low as $45/month. No money down required.

Financing through Wells Fargo

Ready to Apply?

Get approved in as little as 5 minutes

Apply Online Now (704) 821-3632

5-Star Rated

Google Verified

445+ Reviews

18+ Years

Family-Owned

Since 2008

Financing Available

Low Monthly Payment

Starting at $45/mo

Same-Day Service

No Extra Charge

Skilled Technicians

Your Options

Two Ways to Pay

Choose the payment plan that works best for your budget

Low Monthly Payment

9.99% APR

Spread your payments over up to 120 months for the lowest possible monthly payment. Perfect for larger projects.

Payments as low as $45/month
Up to 120 months to pay
No prepayment penalties

Same-As-Cash

0% APR

Pay no interest if paid in full within 18 months. The smartest choice if you can pay it off quickly.

Zero interest if paid in full
18 months to pay
No money down required

Payment Calculator

Estimate your monthly payment

What type of project?

Financing amount

$500$20,000

Your Financing Options:

Same-As-CashRecommended

0% APR for 18 months

$444.44/month

Total: $8000.00 over 18 months

Extended Low Payment

9.99% APR for 120 months

$105.68/month

Total: $12681.16 over 120 months

*Estimates are for illustration only. Actual terms depend on credit approval.

Apply with Wells Fargo

Scan the QR code or tap to apply online

Apply Now — 5 Minutes

Why Finance Your HVAC?

Keep cash for emergencies
Upgrade to high-efficiency equipment
Fixed monthly payments
No prepayment penalties
Quick online application

Have questions?

(704) 821-3632

We're happy to explain your options

Simple Process

How HVAC Financing Works

Apply Online

Quick 5-minute application with instant decision

Get Approved

Know your budget before we arrive

Work Done

Professional installation or repair

Pay Over Time

Comfortable monthly payments

Get Started

Applying for Financing

Two easy ways to apply — choose what works best for you:

Apply Online

Apply from home before your appointment. Know your budget ahead of time so you can make informed decisions.

Apply On the Spot

Your technician can help you apply during your service appointment. Get approved while we're there.

Apply Now with Wells Fargo

Scan the QR code with your phone or click to apply online

Apply Online — Takes 5 Minutes

No Hidden Fees

What we quote is what you pay

Fast Approval

Most decisions in minutes

Competitive Rates

0% and low APR options

Easy Process

Apply online or on-site

Our Promise

Honest Financing, No Pressure

We believe in transparent pricing and comfortable payment options. Our technicians are paid hourly—not commission—so you'll never be pressured into financing more than you need.

Upfront pricing before any work begins
We'll explain all your options clearly
No pressure to finance if you prefer to pay cash
Same great service regardless of payment method

Common Questions

Financing FAQs

Get Your Free Estimate Today

We'll provide upfront pricing and help you find the best financing option for your budget.

No pressure, just honest recommendations.

Call (704) 821-3632 Get Free Estimate