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HVAC Financing Plans That Will Always Fit The Bill

There's No Need to Wait for Your New HVAC System
with These Convenient Financing Options
Flexible HVAC Financing with Wells Fargo Bank, N.A.
Convenient HVAC financing with a Bryant Credit Card via Wells Fargo Bank, N.A. | ZAP Cooling and Heating
ZAP Cooling & Heating offers plenty of options to help you purchase the right HVAC system with the power, features, and efficiency that best fits your home and your families needs.

The Bryant® credit card is issued with approved credit by Wells Fargo Bank, N.A. and provides quick credit decisions to get you access to
special financing options with manageable monthly payments.*

Upon credit approval, you can take advantage of convenient payment plans* to help you get the HVAC system your home needs with the features you want.
*offer subject to credit approval.
Wells Fargo Bank, N.A. Looking for Financing Options | HVAC Financing | ZAP Cooling and Heating

HVAC Financing with Hearth

See your personalized monthly payment options within minutes and without affecting your credit score. No prepayment penalties. No home equity required.
Hearth makes it easy for you to find monthly payment options for your project, with:
Loan amounts up to $250,000
Affordable monthly payment options
Funding within 1-3 days
No prepayment penalties
No home equity required
Find convenient monthly payment options for your project. See your personalized payment plans without affecting your credit score now.
ZAP's work van parked at customer's home | AC Install Near Me | ZAP Cooling & Heating
Fastest way to get service
Scheduling an HVAC repair or diagnostic has never been easier with our simplified online scheduler.

HVAC Financing with ZAP Heating & Cooling

Home improvement projects can create a dent in a family budget, especially when the projects are unexpected. No one plans for their home’s HVAC system to break down, and repair costs can be unexpected.

Zap Cooling and Heating is an HVAC company that has been bringing comfort to northeastern Georgia for nearly 20 years. We understand that customers need financing options that are flexible for when unexpected problems arise in their heating and cooling systems. Whether it is replacing an HVAC system, repairing an AC unit, or providing routine maintenance, our technicians can fulfill your home comfort needs at an accommodating rate.

Don’t let a low credit score discourage you. Contact Zap Cooling and Heating today to learn more about our financing options and application process.
Bryant Evolution HVAC systems | ZAP Cooling and Heating HQ located in Cleveland, GA

Home Improvement Projects Can Put a Strain On Your Family Budget

HVAC Financing Options:

Luckily, Zap Cooling and Heating provides financing options that are flexible for homeowners. In this article, we will discuss how to finance your HVAC system, what options are available, and how to make the most out of your investment.
  • Options may include personal loans, credit cards, and financing programs through the HVAC company.

  • Financing programs may offer extended payment terms, or deferred interest options.

Benefits of Financing

  • Financing your HVAC system can make the investment more manageable by spreading out the cost over time.
  • Upgrading to a more energy-efficient HVAC system can lower your energy bills, providing long-term savings that can help offset the financing costs.

  • Financing options can make it possible to replace an HVAC system or air conditioning unit that may have been too expensive to purchase outright.

Application Process

  • To apply for AC financing, you will need to provide information about your income, employment, and credit score.
  • Some financing options may require a down payment or a credit check.

  • Once approved, you can select the HVAC system or air conditioning unit that meets your needs and budget.

Making the Most of Your Investment

  • Choose an HVAC system or air conditioning unit that is energy-efficient to maximize your long-term savings.
  • Schedule routine maintenance to keep your HVAC system running smoothly and prevent costly repairs in the future.

  • Make your monthly payments on time to avoid penalties and ensure that your credit score remains intact.

  • Be mindful of the temperature settings you use in your home. Keep the thermostat at or just below a comfortable level to save on energy costs.

  • Consider investing in an air purifier or dehumidifier to improve indoor air quality and keep allergens out of your home.

  • Invest in insulation to reduce heat exchange between indoors and outdoors, helping control temperatures better and keeping more money in your pocket.
There are financing options for all credit types. Financing your HVAC system can be a convenient way to ensure that your home stays comfortable year-round. With a variety of financing options available, homeowners can choose the one that best meets their needs and budget. When choosing an HVAC company, it's essential to do your research and choose a reputable, experienced company that offers warranties on their products and services. By making the right choice, homeowners can enjoy the benefits of an energy-efficient HVAC system without breaking the bank. 


Whether you're repairing or replacing your HVAC system, ZAP has the expertise to help you make a knowledgeable decisions that work for your home or business, your family, and your budget. Call our home comfort  specialists today or click to learn more about our HVAC Repair and Installation services today!
AC Repair
While we typically install Bryant equipment, we're by no means limited to repairing Bryant equipment. Our HVAC technicians will quickly diagnose your air conditioner's issues and provide options to help you make the best decision.
AC Installation
Our goal with any Air Conditioning Installation is to expertly install the best system for your space, and to leave no evidence that we were there. During our installation process, we make sure your home's floors are protected, and our dust is gone at the end of the process.
Furnace Repair
We're in the South, which means most of our focus is on air conditioning, and it is for this reason that last-minute emergency repairs on our heating system can happen. ZAP's heating technicians will get your home warm again, and fast!
Furnace Installation
We understand its typically hot here in Georgia. If we're installing a natural gas furnace or simply running a single heat pump for both heating and cooling, we'll help you find the best HVAC system for you. ZAP has the expertise to help you make a knowledgeable decisions.
furnace install
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  • Rabun County, GA
  • Lakemont, GA
  • Rabun Gap, GA
  • Tallulah Falls, GA
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