Ray’s Heating & Air Options for Financing

At Ray’s Heating & Air we want to make it easy to get that new HVAC system you need. We offer the following financing programs to help you achieve whole home comfort at a payment you can afford. Please ask about wither of the following options before you start the application process as both must be pre-approved. Any financing questions please contact Mary Kay or Ellen at Ray’s Heating & Air, 812-423-7459

marinerMariner Financial Services offers 90 days with a monthly payment. They also offer up 48 months with a low monthly payment. Founded in 2002 by a group of leading experts in the consumer finance industry, Mariner Finance was established to provide customers with creative, flexible, and convenient lending options. At the core of Mariner Finance is the principle that superior customer service is the driving force behind building lasting relationships.

NOTE: Must be Pre-Approved

Options for applying:

  • Apply Online (see below).
  • Application can be obtained from estimator when proposal is given or come into our office and apply in person.

Any questions contact Mary Kay or Ellen at Ray’s Heating & Air, 812-423-7459

FTL Finance

To apply for financing under FTL Finance click on the following link or copy to your browser:


  • Click on Finance Lease.
  • Verify Ray’s Heating and Air Conditioning Inc has been selected.
  • Enter the amount to be financed.
  • Under service type click HVAC install.

Any questions contact Mary Kay or Ellen at Ray’s Heating & Air, 812-423-7459


By Phone

Call Interbank at 866-609-0008 for financing options over the phone.

Mobile Loan App

EnerBank now has a new choice for customers to submit a loan application. Our new Mobile Loan App has been developed to combine the convenience of technology with the support and service of our lending department.

GEOSmart Financing

Through your GEOSmart Authorized Contractor, you can take advantage of 100% unsecured “Same-As-Cash” financing which allows you to make no payments and pay no interest for up to 24 full months!

GEOSmart Financing Available Pre-Qualify Now