New Furnace Financing in Polk and Burnett Counties
Warm home. Predictable payments. Upgrade to an energy‑efficient furnace now and pay over time with simple, flexible financing options through our approved lending partners.
Why finance your new furnace?
- Spread the cost into low monthly payments
- Keep cash on hand for other priorities
- Replace failing equipment before peak cold
- Pair with rebates and potential energy savings
- Upgrade comfort, air quality, and reliability
Tip: Many plans have no prepayment penalty—pay it off early anytime.
Popular financing plans
- No interest if paid in full in 12 months (minimum monthly payments required)
- Low APR, fixed‑payment plans (24–120 months options available)
- Deferred interest promotions (subject to approval)
- Reduced APR with equal payments (predictable monthly amount)
*Exact terms and approvals are provided by our lending partners and may vary based on credit. See disclosures below.
How it works?
- Get a free estimate. We assess your home and recommend the right‑sized furnace (or heat pump/furnace combo).
- Pick your plan. We’ll show you available terms and estimated monthly payments.
- Quick application. Secure, paperless credit decision in minutes—right from your phone.
- Fast installation. Our certified installers handle removal, installation, and startup.
- Enjoy the heat. Comfortable, efficient heating backed by warranties and our local team.
What can be financed?
- New gas furnace (high‑efficiency models)
- Complete system replacement (furnace + AC or heat pump)
- Ductless mini‑splits and cold‑climate heat pumps
- Thermostats, air quality add‑ons, and accessories
- Labor, permits, and extended warranties
Estimated monthly payment examples
- $4,500 furnace replacement → from $89–$119/mo with approved credit
- $7,500 full system upgrade → from $149–$189/mo with approved credit
†Examples are for illustration. Final payment depends on plan, term, taxes, and credit approval.
Rebates & incentives (Wisconsin)
You may qualify for utility or state incentives on high‑efficiency equipment. We’ll help identify programs and file paperwork when available. Incentives can be combined with financing in many cases.
FAQs
Will applying affect my credit?
Most lenders use a soft credit pull for prequalification and a hard pull upon acceptance. We’ll confirm before you apply.
Can I pay it off early?
In most cases, yes—without prepayment penalties. Ask us to verify your chosen plan.
Do I need a large down payment?
Not typically. Some plans require $0 down with approved credit.
What credit score is needed?
Approval depends on the lender’s criteria. We work with multiple programs to help more homeowners qualify.
Can I bundle other work (ducts, IAQ, thermostat)?
Yes—most plans allow you to include accessories and labor.
How fast can you install?
Often within a few days of approval, especially for emergency replacements.
Ready to Get Started?
Call or text 715-349-2314, or click Apply for Financing below. We’ll confirm your best options in a quick, friendly conversation.
Important disclosures
Financing is provided by third‑party lenders, not Earth Energy Systems. All loans are subject to credit approval, verification of identity, and terms and conditions of the lender. Promotional terms (e.g., deferred interest, reduced APR, equal payments) are available to qualified applicants and may change without notice. Minimum purchase amounts may apply. See your loan agreement for details, including APR, fees, and repayment terms.
