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.
Not sure what a new system costs? Try our HVAC Cost Estimator for a price range first, then see how to finance it.
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Cash, check, credit card, or financing.
Financing is the option we walk people through carefully because it has the most moving parts.
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 Wisetack 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 Wisetack 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. Your terms may vary. Payment options through Wisetack are provided by our lending partners. Offers range from 0% to 35.9% APR based on amount requested and creditworthiness. Not all merchants and lenders participate in 0% interest programs. State interest rate caps may apply. No prepaid finance charges or participation fees. The General Heating & Air is not a lender.
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.