HVAC Financing

Optimus Financing

Optimus Financing is the financing platform we use to give you fast, flexible options for paying for a new HVAC system or major repair — all through a single application. Instead of forcing every customer through one lender, Optimus runs a soft credit check (which doesn't affect your credit score) and routes you to the lending partner that fits your situation best. Customers with strong credit are typically matched with GreenSky, which offers some of the best rates and terms available, including promotional plans like deferred interest, fixed-rate, and no-interest options, with no special requirements to qualify. If GreenSky isn't the right fit, Optimus has a "second look" pathway through FTL Finance, which offers revolving credit and installment loan options for a broader range of credit profiles — FTL tends to be more selective about who it approves, but customers who qualify often get better rates than other second-look programs. For customers who don't qualify through either of those, Optimus also includes Microf, a lease-to-own option with no FICO score requirement that approves a large share of applicants who get turned down elsewhere, though monthly costs are typically higher. Across all three pathways, Optimus reports approval rates around 90%, so most homeowners can find a payment plan that works for their budget.

GoGreen Financing

GoGreen Financing is a financing program backed by the State of California (administered through the California Alternative Energy and Advanced Transportation Financing Authority, under the State Treasurer's Office) specifically designed to help homeowners pay for energy-efficient upgrades — including central air conditioners, heat pumps, ductless mini-splits, furnaces, duct sealing, and smart thermostats. Because the program is funded in part by California utility ratepayers (PG&E, SDG&E, SCE, and SoCalGas all participate), it's able to offer below-market interest rates and longer repayment terms than many private lenders, which keeps monthly payments more manageable. GoGreen loans do not place a lien on your property, and homeowners can use up to 30% of the financed amount toward non-energy-related home improvements bundled into the same project. Eligibility is tied to your utility provider, and because GoGreen is a state-supported program built around credit enhancement rather than a single private lender, it tends to approve a wider range of credit profiles than conventional financing while still keeping rates competitive. It's a strong option for customers who want to go with a higher-efficiency system and care about long-term energy savings, not just the upfront cost.

Rather than lending directly, GoGreen connects you with a network of California credit unions offering dedicated energy-upgrade loans — currently ranging from about 3.2% to 10% APR, with loan amounts up to $50,000 for non-solar upgrades (or up to $75,000 when bundled with solar and battery storage) and repayment terms of up to 15–20 years. Most participating lenders offer 100% financing with no money down, no closing costs, and no collateral required, so you can compare actual rates and terms side by side before choosing one and applying.