Comfort today.
Pay over time.
Flexible HVAC, generator, and electrical financing for Central Kentucky homeowners — including 0% APR for 12 months on approved credit.
Estimate your monthly payment
Estimates only. Actual rate, term, and payment depend on credit approval and lender terms. Subject to change without notice.
Choose the plan that fits your budget
Two flexible paths to a comfortable home — every plan is on approved credit through our trusted lending partners.
12-Month 0% APR
Pay no interest when the balance is paid in full within 12 months. Ideal for replacements and major upgrades.
- No prepayment penalty
- On approved credit
- Quick electronic application
12.99% Fixed APR
Predictable fixed monthly payments at 12.99% APR. Choose the term that fits your budget — from mid-range replacements to whole-home upgrades and generators.
- Terms from 5 to 15 years
- Fixed-rate stability
- Pay off early anytime
Finance any major home upgrade
From a single AC replacement to a whole-home generator and panel upgrade — bundle projects on one approval and start enjoying the comfort right away.
Get a Free EstimateFrom estimate to install in four easy steps
- 01
Get a free in-home estimate
We diagnose, scope, and price the right solution — no pressure, no hidden fees.
- 02
Apply in minutes
Soft-pull pre-qualification, then a quick formal application with our lending partners.
- 03
Approve and sign
E-sign your loan docs and lock in your payment plan.
- 04
We install — you relax
We schedule installation right away. You start enjoying comfort while paying over time.
Common financing questions
Do you offer 0% financing?+
Yes — 12-month 0% APR is available on approved credit for qualifying HVAC, generator, and electrical projects.
What credit score do I need?+
Most approvals through GoodLeap start around a 600 FICO, but we have lenders for a wide range of credit profiles. Pre-qualification is a soft pull and won't impact your score.
How fast is approval?+
Most applicants get a decision in minutes. E-sign your docs and we'll schedule installation right away.
Can I pay off early?+
Yes — every plan we offer allows you to pay off early with no prepayment penalty.
What can I finance?+
HVAC replacement, generators, panel upgrades, EV chargers, and other major home comfort projects. Bundle multiple projects on a single approval.
Ready to upgrade your home?
Talk with a comfort advisor about your options — no obligation, no pressure, and a financing plan that fits your budget.