Making HVAC & Plumbing Projects Affordable
Easy Financing Plans with PV
We're proud to offer a variety of great payment plan choices. Our team can help you find the right option for your unique needs, so you can get started today.
Home Service Financing Made Easy
We've partnered with several financing companies to make important home upgrades accessible for everyone. With PV's flexible payment plans, covering the cost of any service we offer is as easy as ever! From minor repairs to major installations—if it's between $500 and $75,000, we can help make it happen.
Fast, same-day credit decisions so you can move forward without delay.
Quick & Simple Applications —
Pay off your balance any time without extra fees.
No Early Payoff Penalties —
Multiple plans available, including low monthly payments & 0% financing*.
Flexible Plan Options —
Finance everything from minor repairs to big-ticket upgrades (starting at $500).
Applies to Any Service —
Get free expert advice & pricing on new installs or major repairs, before you buy.
Free Consultation & Upfront Estimate —
We offer payment plans through:
Payment Plan FAQs for Home Services
How long does approval take?
Most financing approvals are very fast, often within minutes of applying. In many cases, you can get a decision almost instantly during your consultation or online application. This means you won't be left waiting long — you can move forward with your repair or installation the same day once approved.
Can I apply over the phone or during an in-home consultation?
Yes. You can usually apply for financing right on the spot. Our technician or consultant can help you submit an application during your in-home visit using a phone or tablet. If you prefer, you can also provide your information over the phone by giving us a call at 404-798-9672. Either way, the process is quick and convenient, so you can get qualified any time.
Are free estimates available?
Absolutely. We offer free estimates so you know the cost before deciding on financing. For installations and larger repairs, we can often provide a same-day in-home estimate. This way, you can review the price and available payment options upfront with no obligation.
What types of services can be financed?
Nearly all of our home services can be financed - from small repairs to full system replacements. Whether it's a minor plumbing fix, a small HVAC repair, or a major installation of a new furnace or air conditioner, water heater, sewer repair and more - financing is available. In short, if we offer the service, you can likely finance the entire project through our programs.
Do I need a high credit score to qualify?
Not necessarily. While a better credit score can help you secure the best rates, many financing programs are available for those without perfect credit. Our lending partners consider various credit ranges - you don't need an excellent score to get approved. We'll work to match you with a financing option that fits your credit profile.
What if I have bad credit? Can I still get financing?
We understand not everyone has perfect credit, and we do have options for credit-challenged customers. Some of our partners specialize in financing for those with fair or poor credit. You might face a higher interest rate or shorter term, but we’ll do our best to find a solution so you can get the repairs you need. In some cases, a co-signer or alternate programs may help if your credit is on the lower side.
Can I get pre-qualified without affecting my credit score?
Often, yes. Many of our financing partners offer a pre-qualification step that uses a "soft" credit inquiry, which does not impact your credit score. This lets you see estimated rates or approvals before committing. When you decide to move forward with the financing, a formal application will typically involve a standard credit check, but the initial prequalifying step lets you explore options risk-free to your credit score.
Are 0% interest options available?
In many cases, yes. We frequently offer promotional financing such as 0% interest plans for a set period (for example, 6, 12, or 18 months) on qualifying purchases. These no-interest options allow you to pay for the project over time without any interest, as long as the balance is paid within the promotional period. Availability of 0% plans can depend on current promotions and your credit approval, but we strive to provide affordable options including no-interest or low-interest plans.
Is there any penalty for paying off my financing early?
No - there are no penalties for early payoff with the financing options we offer. You can pay off your balance ahead of schedule at any time if you choose, and you won't be charged any extra fees for doing so. In fact, paying off early can save you money on any interest that would have accrued, so you have the flexibility to finish payments sooner if it works for you.
What is the minimum or maximum amount I can finance?
Our financing covers a wide range of project sizes. Typically, there's a low minimum amount (often a few hundred dollars) so even smaller repairs can be financed. In most cases, projects from about $500 up to $75,000 (and sometimes more on approved credit) can be financed. We'll let you know if your project's cost falls within our financing ranges (almost all do).
Is a down payment required?
No down payment is required for our financing plans. Most of our customers are able to finance 100% of the project cost, which means you won't need to pay anything upfront out-of-pocket if you qualify. Of course, if you prefer to put some money down to lower your financed amount, you can. But in general, our financing options are designed so that a down payment is optional, not mandatory.
How long do financing terms last?
Financing term lengths can vary based on the plan you choose. Shorter-term options can be as little as 6 to 12 months (often for no-interest promotions), while longer-term loans can extend to 5, 10, or even 15 years for the lowest monthly payment plans. Common term choices are 12, 36, 60, or 120 months, among others. We'll present you with available term options so you can select a repayment period that gives you a comfortable monthly payment.
How does repayment work (monthly payments, autopay, etc.)?
Repayment is straightforward. After your project is complete and the financing is in place, you'll make monthly payments to the financing provider. You'll receive a statement or have an online account to track your balance. Most lenders offer convenient payment methods - you can mail a check, pay online, or even set up automatic payments so you never miss one. The monthly payment amount and due date will be clearly outlined in your agreement, and you can always pay extra or pay it off early if you'd like (with no penalty).
Can I combine financing with rebates, discounts, or promotions?
Yes, you generally can. Financing can usually be combined with manufacturer rebates, utility rebates, or any promotional discounts we're offering on our services. For example, if there's a rebate on a new AC unit or a seasonal coupon, you can still take advantage of those savings while financing the remaining cost. Keep in mind that rebates are typically issued separately (for instance, a utility might send you a rebate check), but using financing won't exclude you from getting those deals. We'll make sure you receive all applicable discounts and rebates even if you choose to finance.
Does financing cover the full cost, including labor and installation?
Yes. When you finance a home service project with us, the loan or credit covers the entire cost of the job - that means equipment, parts, and labor. It's not limited to just the furnace or unit being installed; it includes the service technician's work, any necessary permits, and all materials. In other words, the financing amount will be for your total invoice, so you can get the work done now and pay it off over time as a single package.
Are there any fees to apply or hidden costs with financing?
No, applying for financing is always free. We do not charge any application fees, and applying doesn't obligate you to accept a loan. If approved, you'll be shown the terms (interest rate, monthly payment, etc.) before you agree. There are no hidden fees in our financing offers - we believe in transparency. Any possible fees (like late payment fees from the lender, for example) will be clearly stated in the loan agreement. We make sure you understand the full cost and terms upfront so there are no surprises later.
Trusted by Atlanta Homeowners
At PV Heating, Cooling & Plumbing, we've been serving homeowners across the Atlanta metro area since 2008. Founded by three Atlanta brothers determined to bring a higher standard of honesty and reliability to the industry, we built our company on trust, expertise, and family values.
Today, our technicians are stationed throughout the metro area, helping neighbors stay comfortable in every season. We believe in doing the job right the first time—no upsells, no shortcuts—just the honest service you deserve.
Our Customers Say It Best
*With approved credit by third party lender, special offers are not valid for previous customer orders and they cannot be combined with any other discounts or previous special offers. Subject to credit approval.
