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newhvacdeals
Financing

Pay how you want.

Cash, Wisetack (smaller projects), or GoodLeap (larger projects). Soft-pull prequalification — no hard hit on your credit until you commit.

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Three ways to pay

Pick the one that fits.

Cash

Pay in full, get a the simplest closing path. Bank transfer or check. The fastest closing path.

Wisetack (smaller projects)

Soft-pull prequalification. Flexible terms for qualifying buyers. Approval in minutes, ACH disbursement.

GoodLeap (larger projects)

Longer terms for larger HVAC and comfort upgrades. Soft-pull prequalification. Designed for full-system replacements.

How approval works

From prequal to install.

Step 01

Finish the intake.

We need home and equipment context first. The lender offer is tied to a real replacement path, not a shortcut quote.

Step 02

Pick a lender.

Wisetack or GoodLeap soft-pull link is presented after intake. No hard pull until you commit to a specific loan.

Step 03

Lock in your install.

Lender ACH-disburses to us; you sign the install scope; we schedule. All paperwork in one handoff.

The fine print

Things people ask about financing.

Will prequalification affect my credit?

No. Prequalification is a soft pull — it does not affect your credit score. A hard inquiry only happens when you formally accept a specific loan offer. We make this clear before you enter the lender flow.

What rates are available?

Rates are set by the lender — Wisetack or GoodLeap — based on your creditworthiness, loan amount, and term. We won't promise specific APRs because the lender makes that call. Prequalification shows you real offers before you commit.

Are there prepayment penalties?

Wisetack has no prepayment penalties on its standard plans. GoodLeap terms vary by product. Review the lender agreement carefully before signing — we can't speak to every product each lender offers.

Can I refinance later?

That's between you and the lender. NewHVACDeals doesn't hold the loan after disbursement — the lender does. Refinancing, payoff, and term changes go through your lender's servicing team.

What if I don't qualify?

Cash is always an option. If one lender declines, the other may have different approval criteria — we present both Wisetack and GoodLeap so you have two paths. If neither works, the install desk can discuss cash terms.

Soft-pull prequalification at intake. Real numbers, no hit to your credit.
Start your assessment