Finance any HVAC job from $500 to $25,000 — terms from 3 to 60 months, rates starting at 0%. No origination fees. No deferred interest. No hidden tricks.
Wisetack financing is available on any job between $500 and $25,000. That covers the full range of residential HVAC services we offer:
Choose from 3, 6, 12, 24, 36, or 60-month terms, so you can match your payment to your monthly budget. Here is what to expect:
As a reference point, a $5,000 AC installation financed over 36 months at 9.9% APR would be approximately $161/month. A $3,000 furnace repair financed over 24 months at 9.9% APR would be approximately $138/month. Your actual rate is determined at application.
Many homeowners and businesses across our service area qualify for rebates and tax credits that can significantly reduce the total cost of an HVAC upgrade — often without any additional paperwork beyond what we provide at installation.
The Inflation Reduction Act's Section 25C tax credit applies to qualifying energy-efficient HVAC equipment installed in a primary residence. Eligible homeowners can claim up to 30% of installed cost, capped at $600 for qualifying central AC systems and furnaces, and up to $2,000 for qualifying heat pumps, per tax year. AC Services Elite installs Carrier equipment, which includes models that qualify, and we provide the documentation needed to claim it.
PG&E customers in San Joaquin, Alameda, Contra Costa, Santa Clara, and San Mateo counties may qualify for rebates on qualifying high-efficiency HVAC systems, including heat pumps and high-SEER central AC units. Rebate amounts vary by equipment and program availability. We identify qualifying equipment when preparing your estimate.
California's TECH Clean California program offers rebates for qualifying heat pump installations as part of the state's clean heating initiative. Funding availability varies but the program has been well-funded.
Finance the full installation cost upfront, then apply your rebate check or tax credit refund directly to your loan balance when it arrives — reducing your principal and effective monthly payment without any out-of-pocket cash at the time of installation. Ask us about this approach when requesting your estimate.
Commercial HVAC projects often exceed the $25,000 Wisetack residential cap. For commercial clients, AC Services Elite works with several alternative financing structures:
Contact us to discuss commercial financing options for your property.
Apply in minutes and pay over time.
(209) 268-2659Monday to Saturday, 8 AM to 8 PM · 24/7 for emergencies
Book Free EstimateYes. AC Services Elite uses Wisetack for financing, which accepts a minimum FICO credit score of 540. That is below the threshold most traditional lenders require, making HVAC financing accessible even if your credit history is not perfect. The application uses a soft credit check, so applying will not hurt your score. Approval decisions are typically returned within minutes.
Any job between $500 and $25,000 qualifies, including AC repair, AC installation, furnace replacement, ductless mini-split installation, ductwork installation, and heat pump installation. If your commercial project exceeds $25,000, contact us to discuss commercial financing options.
Yes — Wisetack offers rates starting at 0% APR for qualified applicants. Your rate is determined at the time of application based on your creditworthiness. The full rate range is 0% to 29.9% APR. There is no deferred interest, meaning you are never charged interest retroactively if you do not pay the balance off within a promotional window — the rate you are approved for is the rate you pay for the life of the loan.
Yes — several programs currently apply to our service area. The federal Section 25C tax credit covers up to 30% of qualifying HVAC equipment costs (capped at $600 for AC and furnaces, $2,000 for heat pumps). PG&E customers may qualify for utility rebates on high-efficiency systems. California's TECH Clean California program offers additional rebates for qualifying heat pump installations. We can help identify qualifying equipment when preparing your estimate and provide documentation for your records.
No. Wisetack uses a soft credit inquiry to check eligibility, which does not appear on your credit report and does not impact your credit score. A hard inquiry only occurs if you formally accept a loan offer.
Most Wisetack approvals are returned within minutes. You apply via a link we send to your phone or email, complete a short form, and receive a decision almost immediately. There is no need to visit an office or submit physical paperwork.
Monthly payments depend on your loan amount, term length, and approved interest rate. As a general reference: a $5,000 job at 9.9% APR over 36 months is approximately $161/month; a $8,000 job at 9.9% APR over 60 months is approximately $170/month. Your actual payment is calculated at approval. We are happy to walk through payment scenarios when you request your estimate.
There are no prepayment penalties with Wisetack financing. You can pay off your balance at any time without any additional fees or charges.
We offer Wisetack HVAC financing to customers across all communities we serve — no matter where you are in our service area, the same terms apply.
Reach out and our team will help you stay comfortable all year round.
