HVAC Financing & Plumbing Financing Options

At Colonial Plumbing & Heating Co., Inc., we make it easy to get your home comfortable again. With HVAC financing options available, and financing for plumbing work too, you can have the job done now and pay for it over time. Get pre-qualified in under two minutes without any impact on your credit score.

If you have been searching for HVAC financing near me or wondering, “Can you finance a new HVAC system?” call us at (804) 526-8415 and ask our team how to get started.

HVAC & Plumbing Financing Options

Get pre-qualified for financing in less than two minutes, without impacting your credit score!

CALL OUR OFFICE TO SEE WHAT PLANS YOU ARE ELIGIBLE FOR ONCE YOU’RE PRE-APPROVED (804) 526-8415

FIND OUT IF YOU QUALIFY

Don’t put off the work. A tight month shouldn’t mean living without the comforts you need. With our lender partners, you can finance the repair or replacement and get on the schedule as soon as you’re approved.

Our office is open 24 hours. We handle commercial properties as well and can work around your business hours so a system replacement doesn’t cost you a day of revenue.

(Financing is subject to credit approval. Pre-qualifying uses a soft credit check that will not affect your score. See lender disclosures for full terms.)

Where we offer HVAC and plumbing financing:

• Colonial Heights, VA
• Petersburg, VA
• Hopewell, VA
• Chester, VA
• Chesterfield, VA
• Prince George, VA
• Dinwiddie, VA
• Midlothian, VA
• Disputanta, VA

We lost water from the well during a long stretch of 90+ degree weather on a Saturday morning. A call to Colonial Plumbing brought Tony Brooks to us. In killing heat, he dug out the offending water pipe, repaired it and restored water for our horses. Thank you, Tony. The office angels were integral to solving this! Thank you all!

No water at horse farm during a Virginia Summer

 

"I have always been pleased with the quality and professionalism of the Colonial Plumbing and Heating Company technicians. Gene and a coworker were here for my semi-annual PM on my heating/AC system. Both gentlemen were efficient, checking all aspects of my system. As always, I was not disappointed in their visit."

Vickie Q.

 

"I have been using the services of Colonial Plumbing both at my home and my office for many years. I've been very satisfied with quick response and excellent service. The plumbers and HVAC workers are well trained, prompt, friendly and neat. The scheduling staff is very friendly and helpful."

Margaret W.

 

"I've been a customer of Colonial Plumbing & Heating for nearly 7 years, and I continued to be impressed by their knowledge, professionalism, affordability, and quality work. One technician in particular, Joe, is always very friendly and takes the time to explain what he is doing and the long-term benefit of his work. I would highly recommend Colonial Plumbing & Heating to anyone in the Colonial Heights area"

William H.

 

More Reviews

Leave a Review

Frequently Asked Questions About HVAC and Plumbing Financing

Can you finance a new HVAC system?

Yes. Most people ask about a full heating and cooling system replacement and that’s absolutely covered. But financing isn’t just for the big-ticket install. It also works for a single piece of equipment like a furnace, air conditioner, heat pump, or water heater, and it works for repairs too. You can get pre-qualified in about two minutes without any impact to your credit score.

What credit score do you need for HVAC financing?

It all depends, and every situation is different. Approvals depend on your:

• Credit history
• Income
• Existing debt
• The lender’s rules
• The project size

Pre-qualifying uses a soft credit check that doesn’t affect your score, so you can find out where you stand.

Will checking my HVAC financing options affect my credit score?

Pre-qualifying won’t. That’s a soft credit inquiry. A formal application is a hard inquiry. The good news is that if you’re comparing offers from more than one lender, credit scoring models generally treat multiple inquiries for the same type of loan within a short window as a single inquiry, so shopping around is perfectly fine.

Can I finance plumbing work too?

Yes. Plumbing financing covers:

• Water heaters
• Tankless conversions
• Sewer line repair and replacement
• Repiping
• Bathroom remodels
• Sump pumps
• Gas line work
• Emergency repairs

If you’re facing HVAC and plumbing work at the same time, we can look at everything together rather than sending you to two different contractors with two different applications. Give us a call at (804) 526-8415 and we’ll sort out what makes sense.

Can you finance a new HVAC system through Colonial?

Qualified homeowners can explore financing for an eligible new HVAC system through Colonial’s current prequalification process.

Can HVAC financing be used for a repair?

Financing may be available for qualifying HVAC repairs, but eligibility depends on the project and the lender’s current requirements.

What should I compare when reviewing HVAC financing options?

Do not look at the monthly payment by itself. A smaller payment may come with a longer repayment period or a higher total cost.

Before accepting an HVAC financing offer, review:

• The annual percentage rate
• The length of the repayment term
• The required monthly payment
• The total amount you are expected to repay
• Any account, activation, or origination fees
• Whether the offer includes a promotional deadline
• What happens if a balance remains after that deadline
• Whether you can pay the balance off early without a penalty