0%for 12 months
Built for smaller jobs, like a larger repair you'd rather not pay all at once. A one-year window keeps the balance easy to clear.
HVAC Financing
HVAC Financing in Kingston, PA
Serving Kingston, Dallas, Mountain Top, Pittston & Shavertown In Pennsylvania
KO HVAC makes new heating and cooling affordable with financing through Wells Fargo and Synchrony. Choose the system your home needs, then pay for it in steady monthly payments.
- Two lenders, more options
- Repairs and installs qualify
- Monthly cost shown upfront
- Nothing starts without approval
Check My Options
Sending this form doesn't touch your credit.
- PA License #PA169105
- Insured
- EPA 608 Certified
- Veteran-Owned
- Carrier Dealer
- Mitsubishi Electric Elite Diamond Contractor
Why Choose HVAC Financing for Your Home?
HVAC financing lets you fix the problem now and pay for it a little at a time. That matters, because a furnace or AC rarely fails in a month with room in the budget. With KO HVAC, you can spread the cost through Wells Fargo or Synchrony, with approved credit.
Putting it off rarely saves money, since a struggling system burns extra energy every month. And with Kingston's January lows near 20°F, a failed furnace can't sit until savings catch up. So we keep it simple, walking you through the paperwork at your estimate while 0% offers keep each payment easy.
Everything You Can Finance
- New furnaces, gas or oil
- Boilers, steam or hot water
- Central air conditioning
- Heat pumps
- Ductless mini-splits
- Larger repairs
Not sure where your project fits? Ask at your estimate, and we'll tell you which promotion applies.
How Does HVAC Financing Work With KO HVAC?
HVAC financing with KO HVAC starts with a conversation, not a credit application. Getting a quote carries no obligation, and you decide whether to finance at all.
Step 1
Mention Financing When You Book
Call or book online, and our office sets a time to see your system. Let us know you're interested in financing, and we'll come ready to talk numbers.
Step 2
Compare Prices and Monthly Costs
We look at the home and the system, then write up your options. Each shows the full price, and we explain its monthly cost.
Step 3
Apply With Wells Fargo or Synchrony
Apply through Wells Fargo or Synchrony using the lender's own application. The lender reviews it and tells you which terms you qualify for.
Step 4
Enjoy the New System, Pay Over Time
Once you approve a quote, we schedule the work. We finish by testing the system, cleaning up, and showing you how it runs.
Why Finance Through KO HVAC Instead of Your Bank?
One Visit for the System and the Payment Plan
0% Promotions a Bank Loan Rarely Matches
A personal loan or credit card usually charges interest from day one. Our lending partners offer 0% promotions, so paying on time within the promotion costs nothing extra.
One Stop, From Quote to Payment Plan
There's no separate trip to the bank. Your written estimate, the lender application, and your install date all come together, with our office guiding each step. Nothing starts until you approve it.
Coverage That Outlasts the Plan
New Carrier systems carry up to 10 years of parts coverage, and Mitsubishi systems we install carry up to 12 years on parts and the compressor. On a 36-month plan, that protection runs for years after your last payment. A bank loan pays for the equipment, but it doesn't come with a team that stands behind it.
How Much Is HVAC Financing Per Month?
HVAC financing per month depends on your project total and the promotion's length. Estimate your payment below, with no application and no credit check.
0% promotion
Monthly payment
| Project example | 0% promotion | Monthly payment |
|---|---|---|
| $2,400 repair | 12 months | $200 |
| $9,000 installation | 36 months | $250 |
| $14,400 installation | 36 months | $400 |
| $14,400 installation | 60 months (Wells Fargo, through November 20, 2026) | $240 |
Examples assume 0% APR with equal monthly payments. Your actual rate, term, and payment depend on the lender, the current promotion, and approved credit.
Zero Interest, Your Choice of Timeline
These are the promotions our lending partners offer right now, all with approved credit. Your project and the lender decide which one applies, and we'll explain it at your estimate.
0%for 36 months
Available year-round
Our standard promotion for new installations. Three years spreads a full system replacement into steady, manageable payments.
0%for 60 months
Wells Fargo, through November 20, 2026
A seasonal Wells Fargo promotion that stretches the interest-free period to five years. It ends November 20, so ask about it at your estimate if the timing works.
Three Money Moves That Save You More
Pay It Off Before the Promotion Ends
Take your balance and divide it by the months in your promotion. Pay that amount every month, even when the minimum is lower. Some promotional plans charge interest on whatever is left when the period ends.
Take Discounts Off Before You Finance
Ask whether our 10% military discount or a manufacturer rebate applies before you finance. Every dollar taken off up front is a dollar you don't spread across monthly payments.
Price a Replacement Next to the Repair
When an older system needs a costly repair, ask us to price a replacement at the same visit. Seeing a repair bill next to a 0% monthly payment often makes the smarter choice obvious.
What Homeowners Say After We Pack Up
The technician Lenny they sent out was extremely professional, knowledgeable and clean. He assess the situation, determined tge issue got it fixed in no time. I highly recommend them
Anthony J.
Great service on our home’s system! The technician found a failing capacitor and replaced it same day. I appreciated the thorough troubleshooting and clear explanation of the repair. Very happy with the work and would definitely recommend them!
Jason R.
The man was excellent, he checked the whole system gave me advice and wasted no time , i would recommend your comp any to anyone, any time i need a tech i I’m calling you guys TY
Thomas H.
KO HVAC did a great job changing my house from electric heat to natural gas forced hot air with AC. Cody and his team were wonderful to work with. Highly recommended.
Aaron H.
It was a pleasure to work with KO hvac. From the moment of making the initial call and getting set up, to the day of service it was a very smooth process. The communication was on point which is always greatly appreciated. Thanks Len!
Steven S.
Caleb was punctual and very professional and knowledgeable. Thanks!
Matt B.
Great service. Will definitely have them do all my hvac needs.
Mary N.
Caleb was professional & knowledgeable of the issues I had with my furnace.
Ray B.
This is an extremely professional group who does excellent work. They replaced our entire HVAC system and later added additional duct work. Incredibly smooth process from start to finish. Communication was excellent. Their crew was on time, professional and courteous. Highly recommend.
Ed B.
Steve and Caleb both very knowledgeable and good to deal with. Had an issue finding a leak in the system and they were able to find the problem. HIGHLY recommend.
Karen N.
FAQs
570-479-0603calls answered 24/7
Does asking about HVAC financing affect my credit?
No, asking KO HVAC about financing or getting an estimate never affects your credit. A credit check happens only when you apply with Wells Fargo or Synchrony. The lender explains its process before you submit, so you can decide first whether to apply.
What credit score do I need for HVAC financing?
The credit score you need for HVAC financing is set by the lender, not by KO HVAC. Wells Fargo and Synchrony each have their own approval standards. Working with two lenders gives you a second option if the first one isn't the right fit.
Can I finance an HVAC repair, or only a new system?
Yes, you can finance an HVAC repair as well as a new system. Larger repairs can qualify for 0% financing for 12 months with approved credit. New installations qualify for 0% for 36 months. We'll tell you which promotion fits your job at the estimate.
Can I pay off my HVAC financing early?
Yes, you can pay off HVAC financing early, and on a 0% promotion that's the smartest way to use it. Clearing the balance before the promotion ends means you pay no interest at all. Your lender agreement lists the exact terms of your plan.
Is 0% HVAC financing available all year?
Yes, 0% HVAC financing for 36 months on new installations runs all year, with approved credit. Lenders sometimes add seasonal promotions with longer terms. Wells Fargo's current offer of 0% for 60 months ends November 20, 2026. Ask at your estimate which promotions are active.
Do you offer HVAC financing outside Kingston?
Yes, HVAC financing is available everywhere KO HVAC works, including Wilkes-Barre, Dallas, Mountain Top, Pittston, and Shavertown. We serve homes across Luzerne and Lackawanna Counties within about an hour of our base in Kingston. The same lenders and promotions apply in every town.
Want to Talk Numbers?
Book an estimate, and we'll show you the system that fits your home and the payment that fits your month.
Financing is offered by third-party lenders, Wells Fargo Bank, N.A., an Equal Housing Lender, and Synchrony Bank, and is subject to credit approval. KO HVAC is not a lender. Rates, terms, and promotional periods are set by the lender and may change. Minimum monthly payments required. Not all applicants qualify for every promotion. See your lender agreement for details.