$500 – $65,000
HVAC Financing in the Bay Area
Pay over time for your new system — financing is offered on every estimate.
- No origination fees
- No prepayment penalties
- No deferred interest
- Instant decision
Financing provided by Wisetack. Subject to eligibility and approval.
How It Works
01
Get your estimate
A technician looks at the job and writes an itemized estimate. Financing is offered on it automatically — there is nothing to apply for beforehand.
02
Choose a plan
Wisetack shows you the plans you qualify for, each with its rate and monthly payment spelled out, and you pick the one that suits. Nothing is quoted before that point.
03
Instant decision
You get an answer straight away, without a hard credit check to see your options. Approved work can be scheduled the same day.
The Terms
Amount
$500 – $65,000
Offered on every estimate and invoice in that range
Plans
Shown on the offer
Rate and monthly payment stated by Wisetack before you accept
Fees
None to start
No origination fees, no prepayment penalties
Decision
Instant
Checking your options does not affect your credit score
No Deferred Interest — Ever
Some financing offers charge you all the interest retroactively if you miss the promotional window. Ours does not work that way. No origination fees, no prepayment penalties, no surprises.
What It Covers
- New system installation — furnace, AC, heat pump or ductless
- Replacing a system that has reached the end of its life
- Water heaters, including heat pump water heaters
- Larger repairs from $500 upward
Free estimate
Get an Estimate With Financing on It
Tell us what needs doing. The estimate is free, and the financing offer comes with it — you can look at both before deciding anything.
- Upfront, itemized pricing before any work starts
- Up to 3 years of labor warranty on installations
- Licensed, bonded and insured — documents published
- Two shops: San Francisco and South San Francisco
What happens next
- 01A technician calls back the same business day
- 02We confirm the equipment, access and a visit window
- 03You get an itemized figure before any work starts
Before you send
A photo of the unit or the leak, plus the make and model if you have them, shortens the callback. Gate or parking notes help the tech show up ready.
Monday – Friday 7:00 AM – 8:00 PM. Saturday 8:00 AM – 6:00 PM. Sunday is emergency calls only. California C20, CSLB #1104111 — the license, bond and insurance are on the About page.
Prefer to talk? (415) 742-8999
Frequently Asked Questions
Wisetack, through Housecall Pro. Financing provided by Wisetack. Subject to eligibility and approval.
Installation, replacement and larger repairs — any job from $500 upward. That covers a furnace or AC replacement, a heat pump system, ductwork, a water heater, or a repair that turns out to be bigger than expected.
No deferred interest, ever. Some financing offers charge you all the interest retroactively if you miss a promotional window; this does not work that way. There are no origination fees and no penalty for paying it off early.
No. Seeing what you qualify for does not affect your credit score, and you get a decision in the moment rather than waiting on an application.
No. The estimate is free either way, and the financing offer appears on it. You can look at the numbers, take a day, and decide afterwards.
Ready to Price the Job?
Call us or request an estimate online — financing terms come with the numbers.