Financing Options

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We have financing for every situation

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0% APR & options for rent to own

If you need HVAC services surrounding Johnson City, Tennessee, Phil's Heating and Air is here to help. We provide top-quality cooling and heating services throughout the Tri-Cities area. We understand not everyone has the cash on hand to pay for a new HVAC system outright, which is why we offer affordable financing options that work with your budget. Keep reading to learn what financing options are available including 0% APR and Rent to Own!

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HVAC Financing

When you require heating or cooling services, you may be hesitant due to cost. However, at Phil's Heating and Air, we offer HVAC financing options. What is HVAC financing? Simply put, it’ss when you use a personal loan to pay for a new HVAC unit. You can spread out the cost of your new system over several months or years, making it more manageable for your long-term budget.

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Hearth Financing

At Phil's Heating and Air, one of the many HVAC financing options we offer is through Hearth. As a standard financing option, we help you estimate monthly payments and find a financing option that works for your budget. Thanks to our partnership with Hearth, we have access to 13 different lenders to find competitive personal loans and credit cards for your needs. This is a great option that doesn't affect your credit score.

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Rent-to-Own Financing

When you require heating or cooling services, you may be hesitant due to cost. However, at Phil's Heating and Air, we offer HVAC financing options. What is HVAC financing? Simply put, it’s when you use a personal loan to pay for a new HVAC unit. You can spread out the cost of your new system over several months or years, making it more manageable for your long-term budget.

Give us a Call

*Make sure to mention that you're interested in Rent to Own!

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Financing With Phil’s Heating and Air

No matter what HVAC financing option you choose, Phil's Heating and Air is here to help. With over 20 years of combined experience and same-day diagnostics, you can get your system replacement or repairs at competitive pricing. We also offer a 10-year part and labor warranty through Coleman! Passionate about providing everyone with both cooling and heating services through our HVAC financing options, we can help those in Johnson City and the surrounding area.

Give Us a Call

Whether you’re looking for heating and cooling services in the tri-city area or need HVAC financing options, Phil’s Heating and Air can help. Contact us today to learn more about what financing option is best for you!