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Flexible HVAC Financing Options
Replacing or repairing your heating and cooling system is an important decision. DR HVAC Inc offers financing options through Wisetack so eligible customers can review payment choices before moving forward.
Get Your Estimate
We diagnose the issue or provide a full system quote. You see the price before anything starts.
Review Financing Options
We can send a Wisetack financing link to your phone. Checking your eligibility uses a soft credit inquiry and does not affect your credit score.
Choose Your Plan
Review your available payment amounts, rates, and repayment terms before accepting an offer. Financing is subject to credit approval.
Financing Terms at a Glance
| Detail | What to Know |
|---|---|
| Financing partner | Payment options through Wisetack are provided by its lending partners. |
| Down payment | Any amount due upfront depends on your approved offer. Some customers may be asked to make an initial payment when confirming completed work. |
| Interest options | Rates depend on the available offer and eligibility. Promotional 0% APR is not available through every merchant or lender. |
| Monthly payments | Your actual monthly payment and total repayment cost will be shown before you accept a financing offer. |
| Loan amounts | Available financing amounts vary by program, transaction size, lending partner, and approval. |
| Repayment terms | Term lengths depend on the financing offer available to you; review the terms in your application. |
| Credit check type | Checking eligibility uses a soft inquiry and does not affect your credit score. Accepting an offer can affect credit. |
| Prepayment penalty | No prepayment penalty for paying off financing early. |
| Who qualifies | All financing is subject to credit approval. Your terms may vary. |
| How to apply | After your estimate, ask us for a Wisetack application link to review the options available to you. |
Financing Questions Answered
Will applying hurt my credit score?
Checking your financing eligibility uses a soft credit inquiry and does not affect your credit score. Accepting a financing offer can affect credit, and repayment activity may also affect your credit.
How quickly can I get approved?
The Wisetack application typically takes about a minute to complete. Eligible customers can then review available offers. Approval and exact terms are not guaranteed.
What's the minimum and maximum loan amount?
Financing limits depend on the program, transaction size, lending partner, and your eligibility. Ask us about the current options available for your project.
Can I use financing for repairs, not just new systems?
Financing may be available for eligible HVAC repairs as well as new equipment. Available offers depend on the project amount and credit approval.
What if I want to pay it off early?
There is no prepayment penalty for paying off Wisetack financing early.
Was a Federal HVAC Tax Credit Available in 2025?
The federal Section 25C tax credit offered eligible homeowners up to $2,000 for qualifying heat pump systems placed in service by December 31, 2025. This credit is not available for new installations completed in 2026 or later. Homeowners with qualifying 2025 installations should consult a tax professional about claiming the credit on their 2025 tax return.
Will I need to pay anything upfront?
Check the payment details in your specific offer. Some customers may be asked for an initial payment when they confirm their completed service. Your financing agreement explains the amount and timing of payments.
Ready to Get Started?
Call us or schedule online. We'll diagnose, quote, and walk you through financing options before any work begins.
(703) 869-9524 — Call Now Schedule Online* All financing is subject to credit approval. Your terms may vary. Payment options through Wisetack are provided by its lending partners. Available APRs, payment amounts, and terms depend on the offer, lender, merchant program, transaction size, and creditworthiness. Not all merchants or lending partners offer 0% APR plans. Checking eligibility does not impact your credit score, but accepting an offer and repayment behavior can affect credit. No prepayment penalties. See Wisetack financing information for additional details. Dr HVAC Inc VA DPOR License #27105172155. Historical federal tax credit notice: Section 25C applied to qualifying equipment placed in service by December 31, 2025. New installations completed in 2026 or later do not qualify. Consult a tax professional about eligibility for 2025 installations.