Financing Options

Flexible Payment Plans for Your HVAC Needs

At FHA Services, Inc., we understand that heating and cooling issues can arise unexpectedly. To help you manage these expenses, we've partnered with Wto offer flexible financing options. This allows you to spread the cost of your HVAC services over time, making it more manageable without compromising on comfort.

How It Works

Simple Application

After receiving your estimate or invoice, you'll get a link to apply for financing directly from your mobile device

Quick Decision

Complete the application in about a minute and receive instant financing options.

No Impact on Credit Score

Checking your eligibility involves a soft credit pull, which does not affect your credit score.

Transparent Terms

You'll see clear terms with fixed monthly payments and no hidden fees.

No Prepayment Penalties

You can pay off your loan early without any additional fees.

Eligibility & Application

Eligabilty: Financing is subject to credit approval.

Application Process: After receiving your estimate or invoice, you'll be provided with a link to apply for financing.

Approval: If approved, you'll choose from available financing options that best suit your budget.

Payment: Once you accept a financing option, FHA Services, Inc. will be paid directly, and you'll make monthly payments to the lender.

Financing Details

Loan Amounts: $500 to $25,000

Repayment Terms: 3 to 60 months

APR Range: 0% to 35.9% *based on creditworthiness

Fees: No origination fees, late fees, or compounding interest

Example - A $1,200 purchase could cost $104.89 per month for 12 months at an 8.9% APR, or $400 per month for 3 months at a 0% APR.

Important Disclosures


All financing is subject to credit approval.

‍Your terms may vary based on your credit profile and other factors.

Payment options through Wisetack are provided by their lending partners.State interest rate caps may apply.

‍Offers range from 0% to 35.9% APR based on creditworthiness.

No other financing charges or participation fees.

For more information, please visit Wisetack's FAQs.
HVAC unit

Ready to Apply?

If you're interested in financing your HVAC service, please let us know. We'll provide you with an application link to explore your financing options.