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 inquire about either 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


EnerBank USA

Apply Online

All you need is our authorized dealer number, loan promo code and loan amount and your application can be handled online.

Mobile Loan App Available

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.

Mariner FInance Offer


Mariner Financial Services offers 90 days up to 6 months same as cash with a monthly payment for repairs over $250.00 for single family owner occupied properties. 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).
  • Contact Ray’s at 812-423-7459 to apply on phone.

Any questions contact Ray’s Heating & Air, 812-423-7459

FTL Finance Offer

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

GEOSmart Financing

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