A system replacement is rarely a planned purchase. It happens in August, on the worst afternoon of the year. So we keep four lenders on the truck plus our own in-house plans, and your technician can run the numbers at your kitchen table before anything is approved.
We are not paid to steer you to a particular lender. The technician shows what each option costs per month against the same equipment, and you pick.
Wisetack runs a soft credit check to show you options, which does not affect your score. A full application with a lender may involve a hard pull — the lender tells you before it happens.
Up to 15 years, depending on the lender and the amount financed. Shorter promotional terms — including 0% offers with approved credit — are often available on new system installs.
Yes. Repairs, indoor air quality equipment and full replacements can all be financed. Ask your technician before the work is approved.
Yes — plans approved by us rather than a bank, for customers who would rather not involve a lender at all. Ask dispatch when you book.
Your name, address, income and the approximate project amount. Decisions are usually returned in minutes, and your technician can walk through it with you at the table.
Apply on the lender's own site, bring the answer to the kitchen table, and the Cowboy prices the job against it on the same visit. Nothing is decided until you say so.
Secure lender sites · with approved credit · your technician can walk through it at the table · in-house plans too
We are not paid to steer you to a particular lender. The technician shows what each option costs per month against the same equipment, and you pick.
A Cowboy can price the job and the monthly payment on the same visit — no obligation either way.
