See your financing options before your estimate.
The pre-qualification form takes about a minute. Your result is instant. It is a soft credit check with zero effect on your credit score. We finish the application with you at your in-home estimate, once the system cost is known.
Cash, check, credit card, or financing.
Financing is the option we walk people through carefully because it has the most moving parts.
Four steps. Two happen with our technician in your home.
The pre-qualification is the lookup. The full application happens at the in-home estimate, once you've chosen a system and have the actual price.
You complete the Optimus form.
Click below and fill in name, address, project address, and financing reason. The form takes about a minute. Submit it, and your pre-qualification result is instant.
You see the plans you pre-qualify for.
Optimus displays a confirmation and a list of plans available to you. Plans, rates, terms, and lender match are determined by Optimus based on your individual credit profile.
Your pre-qualification is saved. Take a screenshot for your own records if you want.
We get a notification on our end.
When you submit your pre-qual, we get an email letting us know you've started the financing process. We bring that context into your in-home estimate so the conversation is ready when your technician arrives.
We walk you through the full application in your home.
Once you've seen your system options and chosen one, we resend the application link with the system cost ready to fill in. You pick from the plans you already pre-qualified for, finish on your phone in about five minutes, with your technician there to answer questions.
You're not starting over. You're picking up where you left off.
Recognize the screens, so you know what's coming.
Screenshots above are real examples from the Optimus interface. Your actual approval status, available plans, lender match, rates, and terms depend on your credit profile and are determined by Optimus. Plans shown here may not be plans available to you.
The application asks for the system cost, and you don't have that yet. Pause the Optimus flow at Step 3 above, scroll down on this page, and tell us you're considering financing so we can guide your in-home estimate.
Tell us you're considering financing.
It helps us prepare for your in-home estimate. We bring the right context so your technician can walk you through the plan options that fit your situation, not the whole catalog.
A name, an email, and a phone number is all we need to get started.
See your financing options
Soft credit pull, no impact, instant result.
See your financing options now.
Opens a quick form so we can prepare for your in-home estimate. About a minute to fill out, instant pre-qual result, soft credit pull, no commitment.
The questions every homeowner asks.
Does this affect my credit?
No. Pre-qualification is a soft credit pull. It does not affect your credit score. The full application later is a hard pull, and only happens when you decide to move forward with financing on a specific system cost.
What if I'm not approved?
We have other options. You can use your own bank or credit union's financing, and we've worked alongside customer-arranged financing many times. Approval, plans, and terms are determined by Optimus and the lender, not by us.
What if my situation changes between pre-qualification and the estimate?
You can re-run pre-qualification anytime. It's still a soft pull. No penalty for running it more than once.
Why can't I just complete the application now?
The application requires the system cost, which you don't have until your in-home estimate. Your technician walks you through your system options, gives you a clear price, and then resends the application link so you can finish it on your phone with the system cost filled in. About five more minutes.
Will I have to start over later?
No. Your pre-qualification is saved. When we resend the application link at the in-home estimate, you pick up where you left off, with the system cost added in. You're not redoing the form.
What happens during the in-home part?
Your technician arrives at your scheduled time, evaluates your system, presents your options with prices, and answers your questions. If you choose a system and want to finance it, we resend the application link with the system cost ready to fill in. You pick from the plans you already pre-qualified for. About five minutes.
What rates and plans will I get?
Your specific plans, rates, terms, and lender match are determined by Optimus based on your individual credit profile. We can't predict or guarantee what you'll be offered. Pre-qualification shows you exactly what's available to you in about a minute.
Financing disclosure: All financing is subject to credit approval. Plans, terms, lender match, and rates vary based on individual qualification. Not all applicants will qualify. The General Heating & Air is not a lender. Optimus and its lender partners make all credit decisions.
Book the visit. Finish in your home.
Online booking shows current availability and reserves your visit. The conversation at your in-home estimate is the one that matters.