Financing

Three Lenders, No Markup, No Pressure

Nobody plans for a compressor to fail in July. Here is exactly how paying over time works with us, and how utility rebates stack on top of it.

4.9 Rating

115+ Google reviews

Same-Day Service

Across AZ and CA service areas

Licensed & Insured

AZ ROC 364742 | CA C-20 #1040927

Flat-Rate Pricing

Quoted before work begins

How it works

The Price Does Not Move Either Way

The most common thing homeowners get wrong about contractor financing is assuming the financed price and the cash price are the same everywhere. Often they are not. Lender fees get absorbed into an inflated system price, and the person who pays cash quietly subsidises the person who finances.

Our flat rate is the flat rate. You can price the exact same system through TrueQuote AI and see the number before any financing conversation happens, which makes that claim checkable rather than something you have to take on faith.

We work with three lenders because credit profiles differ and one product does not fit everyone. Prequalifying is a soft pull with all three, so you can compare real offers without touching your score.

Lender options

Which One Fits Your Situation

GreenSky

Larger replacements where a long promotional term matters

GreenSky is the most established of the three in home improvement lending and typically offers the longest promotional structures on full system replacements. Application is a soft pull to check offers, and approval usually comes back in minutes.

Get Pre-Qualified with GreenSky

Soft credit pull - no score impact

Wisetack

Mid-size repairs and unexpected failures

Wisetack is built for exactly the situation a failed compressor creates: fast, no hard credit pull to see your options, and terms sized to a repair rather than a whole system. Useful when the invoice is a few thousand rather than five figures.

Get Pre-Qualified with Wisetack

Soft credit pull - no score impact

Goodleap

Efficiency upgrades and heat pump conversions

Goodleap specialises in sustainability-oriented home improvement, which makes it a natural fit for heat pump conversions, high-efficiency replacements and projects where utility rebates are part of the plan.

Get Pre-Qualified with Goodleap

Soft credit pull - no score impact

Terms, rates and approval criteria are set by each lender and change over time. We do not set them and we do not receive a different price depending on which one you choose. Pre-qualify with all three and compare real offers side by side.

Stacking incentives

Utility Rebates Sit on Top of Financing

A note on federal tax credits

The federal 25C Energy Efficient Home Improvement Credit ended for equipment placed in service after December 31, 2025, so we no longer include it in proposals. If federal incentives return, we will update this page. In the meantime we still supply the AHRI certificate and invoice detail your tax preparer may ask for.

Utility rebates

In Arizona, APS and SRP run separate programs and your eligibility depends on which territory your meter sits in. In California, TECH Clean California plus the individual utilities including LADWP, SCE, Glendale Water & Power and Burbank Water and Power each run their own. We check before quoting so the incentive numbers in your proposal are the real ones.

Incentive programs change, and we are contractors rather than tax advisors. Treat the amounts as a starting point and confirm eligibility with your tax preparer and utility before counting on a specific figure.

How Our Financing Approach Compares

What matters	Typical provider	Comfort Pros
Where the price comes from	Adjusted in-home after a sales conversation	Flat rate quoted before work begins
Financing markup on the quote	Often built into an inflated system price	Same price whether you finance or pay outright
Checking your options	Hard credit pull at the kitchen table	Soft-pull prequalification, three lenders
Rebate and tax credit paperwork	Left to the homeowner	We identify what applies and provide documentation
Equipment sizing behind the number	Rule-of-thumb square footage	Real Manual J load calculation

Got Questions?

Financing Questions

Does financing change the price of the job?

No. The flat rate is the flat rate whether you pay outright or finance it. Some contractors quote a higher system price to absorb lender fees on financed jobs. We do not, and you can verify it by pricing the same system through TrueQuote AI.

Will applying hurt my credit score?

Checking your options is a soft pull with all three lenders, which does not affect your score. A hard pull only happens if you accept an offer and move forward.

Can I combine financing with utility rebates?

Yes, and most people should. APS and SRP in Arizona and the California utility programs run their own rebates on qualifying high-efficiency equipment, and where a rebate applies it reduces the amount you finance. Program details change, so we check what is current for your utility territory before quoting. Note that the federal 25C tax credit ended for equipment installed after December 31, 2025, so we no longer include it in proposals.

What credit score do I need?

It varies by lender, which is exactly why we offer three. Wisetack tends to be the most accessible on smaller amounts, GreenSky has the widest range of promotional terms, and Goodleap focuses on efficiency projects. Prequalifying with all three costs nothing.

Can I finance a repair, not just a replacement?

Yes. Wisetack in particular is built for repair-size amounts, which matters when a compressor or a sewer line repair lands unexpectedly.

Is there a prepayment penalty?

None of these three lenders charge a prepayment penalty on standard home improvement products. If you want to pay it off early, you can. Confirm the specific terms on your offer before accepting, as promotional structures do differ.

How long does approval take?

Usually minutes. In an emergency, we can start the diagnostic and repair conversation while the application is processing rather than making you wait to be comfortable in your own house.

Still have a question?

Call the team in your state and talk to someone who actually works on these systems.

(480) 435-2334 (AZ) (818) 690-7951 (CA)

Same-day appointments available

Price the Job First, Then Decide How to Pay

Run TrueQuote AI to see the real number for correctly sized equipment. Financing is a separate conversation and it does not change the price.

Get Your TrueQuote (480) 435-2334

Flat-rate pricing, no upsells Parts and labor warranty Licensed in AZ and CA

California team: (818) 690-7951 · Text us: (818) 489-2826