FAQ
Frequently Asked Questions
What does the financing application process look like?
It's simple. When you request a quote, just let us know you're interested in financing. We'll walk you through the application — it takes just a few minutes and decisions are often same-day. You can also apply directly online through Wells Fargo or Microf using the buttons above.
What credit score do I need to qualify?
We work with two financing partners to cover a range of credit profiles. Wells Fargo is great for customers with good to excellent credit. Microf/SpectrumAC specializes in lease-to-own options for customers with challenged or limited credit. The best way to find out is to apply — there's no obligation and it only takes a few minutes.
What's the difference between Wells Fargo and Microf?
Wells Fargo offers a traditional revolving credit card with special promotional financing terms — ideal for customers with good credit who want 0% interest offers. Microf/SpectrumAC offers lease-to-own options with a single application that covers multiple programs, including options for customers who may not qualify for traditional financing. Both are legitimate and widely used in the HVAC industry.
Can I finance repairs as well as new systems?
Yes, financing is available for both new equipment purchases and larger repair jobs. Ask us when you call for details on minimum amounts and eligibility.
Are there any current promotions?
We frequently have 0% interest and deferred payment options available through Wells Fargo. Call us at (256) 990-7964 to ask about current offers — these change periodically so it's always worth asking.
