Financing Options

HVAC Financing Options

HVAC Equipment Financing

At Air Doctor Heating and Air, we understand that unexpected HVAC equipment expenses can catch you off guard. That’s why we offer a wide range of financing options to help you efficiently manage these costs. Our flexible terms and zero out-of-pocket initial expense ensure that you can easily budget for all your heating and air needs. Partnering with trusted lenders like NEIF and GreenSky Credit, we provide secure and tailored financing solutions to meet your specific requirements. Apply online today and take advantage of our convenient financing options for all your HVAC installations and repairs.

Financing Options

Discover more financing options than ever before at Air Doctor Heating and Air. Whether you need short-term or long-term financing, or even a 0% interest option, we’ve got you covered for all your heating and air expenses. These financing options are available to qualified applicants, so there are plenty of choices to suit your needs. We collaborate with two reputable third-party finance companies specializing in the home improvement industry. Rest assured, applying online is both safe and secure, and any data you share remains private and protected. Please note that any arrangements made with a lender are solely between you and the lender; Air Doctor Heating and Air is not responsible for these arrangements.

Air Doctor Heating and Air works with multiple lenders to provide you with secure and reliable financing solutions for your Heating and Cooling needs:

  • NEIF: Offers trusted and guaranteed monthly payment financing for home energy upgrades, including heating, cooling, and HVAC energy improvements. Enjoy simple interest and low monthly payment options, with no lien, fees, or pre-payment penalties.
  • GreenSky Credit: Offers 10-year financing on new installations at a fixed rate of 9.99% with no money down for qualified applicants. For more details, consult our comfort specialist and explore additional options available.

Prior to making any decisions, we encourage you to review the Terms and Conditions provided by GreenSky. You can find the necessary information directly on the GreenSky website or during the application process.

**Disclaimer- Air Doctor LLC, dba Air Doctor Heating and Air makes these financing options by third party lenders available for your convenience. These secure links are provided for your protection and privacy. Air Doctor Heating and Air does not have access to any communications nor financial data you provide to these lenders directly. Any agreements, contracts or arrangements you enter into with these lenders are between you and the lender. Air Doctor LLC, dba Air Doctor Heating and Air, it’s owners, staff and/ or other affiliates are not responsible for any agreements made between you and the lender.

Air Doctor Heating and Air recommends you research each lender and know the terms before deciding if one of these options is the best choice for you.


NEIF Offers a prescreening that enables you to check your qualifications without applying:  NEIF Prescreening.  To apply, complete the NEIF Online Application.  Or view their Consumer Information Video.

Financiamiento Options From Greensky

10-year financing on new installations at a rate of 9.99% fixed rate with no money down for qualified applicants. Other options are also available, ask our comfort specialist for details.  For more information, see the GreenSky Customer Portal.

Fernwood Capital & Leasing

Commercial financing now available through Fernwood Capital & Leasing. Terms and conditions are available on their Website.  To apply, complete their Online Application.


Financing Your HVAC System: A Smart Investment

HVAC systems are an essential addition to any functional household. They not only help maintain good indoor air quality but also provide the much-needed thermal comfort that every homeowner desires. However, financing a new HVAC system can be a daunting task. If you can’t afford high upfront costs, Airdoctor is here to help. In some instances, we can even offer 0% financing in collaboration with multiple lenders, ensuring your heating and cooling needs are met without breaking the bank.

Our financing options include low-interest NEIF offers with guaranteed monthly payment plans, as well as the convenience of GreenSky Credit, which allows you to finance your HVAC system for up to 10 years. We also offer commercial financing alternatives to cater to different requirements.

Approved Financing: Unlocking Opportunities for Your HVAC System

Getting approved for financing is the key to receiving the much-needed economic support for your HVAC system. We understand that navigating through the financing process can seem complicated, but rest assured, we’ve got you covered.

One of the most common ways to increase your chances of approval is by unlocking your credit 24 hours before applying for financing. It’s also crucial to know the required credit score to qualify for financing. A poor credit score can lead to application rejection, so it’s essential to be aware of where you stand. Additionally, avoid submitting multiple credit applications, as frequent credit pulls can result in denied financing. Providing accurate information in your application and having a clear understanding of the credit amount you need to borrow will further increase your chances of approval.

Why Choose HVAC Financing?

There are numerous benefits to financing your HVAC system. Firstly, it allows you to choose the best system that suits your needs and preferences. With the backing of adequate financing, you don’t have to compromise on quality to fit within a strict budget. You can proceed with a purchase that caters to your household’s specific requirements, ensuring optimum comfort.

Furthermore, financing your HVAC system makes you eligible for rebates and tax credits. By purchasing through our HVAC financing options, you can take advantage of multiple payment options, a fast application process, and a low minimum monthly payment, streamlining the entire experience.

Additionally, our part and labor warranty provide you with peace of mind. In case your system requires unexpected repairs, you’ll be covered, minimizing any financial burden.

Don’t let high upfront costs deter you from enjoying the benefits of a reliable HVAC system. Explore our financing options today and make a smart investment in your comfort and well-being.

HVAC Licenses

  •   MD HVAC # 17747
  •   WV HVAC # 07874
  •   VA HVAC # 2710071510
  •   PA HICR # PA152515
Mission Statement

Providing you with outstanding service and value. Air Doctor Heating and Air is committed to inspiring you to become our customer for life.