HVAC Financing Options

Couple happy to be approved for HVAC Financing

Ray's HVAC Tech performing tests on an AC unit outside of a white brick home.

HVAC Financing to Help Give You Comfort You Can Afford

At Ray’s Heating & Air, we know that investing in a new heating, cooling, or indoor air quality system is a big decision. Whether you need a furnace replacement in Evansville, an AC upgrade in Western Kentucky, or a whole-home air quality solution in South Eastern Illinois, comfort should never be out of reach because of cost. That’s why we offer flexible HVAC financing options designed to fit your budget, making it easier to enjoy the comfort, efficiency, and reliability your home deserves—without the stress of upfront expenses.

Because at Ray’s, We Care About Your Indoor Air—and your peace of mind, too.

Get Pre-Qualified for a New Furnace for as Low as $2.00/DAY!

GoodLeap Financing

We have partnered with GoodLeap to offer flexible payment options for your project. GoodLeap uses a soft credit check until funding and the highest score from all 3 bureaus to see if you qualify. It also takes just a few minutes to get started.

GET STARTED

SFC Financing

We have partnered with Service Finance Company to offer several payment options for your project including Deferred Interest Financing as well as Low Monthly Payment Financing. A quick and easy application process awaits you…

GET STARTED

Is HVAC Financing Right for You?

Heating and cooling equipment is one of the most important investments you’ll make in your home. Financing gives you the ability to replace or upgrade your system when you need it most, without waiting or compromising on quality.

With our financing options, you can:

Enjoy comfort right away instead of delaying service or replacement.
Spread payments out over time with flexible monthly plans.
Upgrade to a higher efficiency system that saves you more money in the long run.
Protect your savings by avoiding large one-time expenses.
Pair with rebates and promotions for even greater affordability.

By financing through Ray’s Heating & Air, you can keep your home comfortable year-round while keeping your budget in check.

HVAC Financing FAQ

Do I have to put money down?
Down payment requirements vary depending on the financing option you choose. Many plans allow you to get started with little or no money down.

How long are the repayment terms?
We offer a variety of term lengths so you can choose a monthly payment that works for your budget.

Can I finance repairs as well as replacements?
Yes, certain repair services may also qualify for financing, making it easier to handle unexpected costs.

What if I want to pay off my loan early?
Most financing options allow you to pay off your balance early without penalty.

How do I apply?
Our team will guide you through the quick and easy application process—approval often only takes minutes.

Benefits of Choosing Ray’s Heating & Air for Financing

When you finance through Ray’s Heating & Air, you’re not just getting payment flexibility—you’re also getting peace of mind. We partner with trusted financing providers to make sure you get the support you need.

Here’s why homeowners across Indiana, Kentucky, and Illinois choose us:

Trusted local company with over 40 years of service.
Flexible financing terms to fit your unique needs.
Fast approval process so you can get started quickly.
Competitive rates that keep payments manageable.
Expert installation and service for all financed systems.
Ongoing customer support before, during, and after installation.

We’re here to make the process simple, transparent, and stress-free.

HVAC Financing Across the Tri-State

We’re proud to offer HVAC financing to homeowners throughout the Tri-State, including:

Evansville, IN and Vanderburgh County
Western Kentucky
Nearby Illinois communities along the Wabash River

No matter where you live, we’re here to make comfort affordable for your family.

Why Comfort Shouldn’t Wait

A broken furnace in January or a failed air conditioner in July isn’t just an inconvenience—it’s an emergency. With financing from Ray’s Heating & Air, you don’t have to suffer through uncomfortable conditions or put off the replacement you need. Our HVAC financing options give you the flexibility to act now, restoring comfort and saving money in the long run.

Ready to enjoy a more comfortable home?

Schedule your service, request a free estimate, or speak with one of our friendly experts today. We’re here to keep your heating, cooling, and indoor air systems running their best, because We Care About Your Indoor Air.