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★★★★★  Foundation Finance · Promotional periods available

Financing that actually fits.

When the AC quits in the middle of July, the bill shows up whether you planned for it or not. We offer financing through Foundation Finance on HVAC and plumbing projects, with promotional and fixed-rate plans on approved credit. Apply online and we write it right into your quote.

Apply online On approved credit Promo & fixed-rate
Five Star Mechanical service truck in Las Vegas valley
★ Rated 5.0 on Google by Las Vegas valley homeowners
★ Same-as-cash plans
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★ Fixed-rate options
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★ Quick application
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★ Apply online
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★ On approved credit
How financing works

Three steps. No surprises.

Apply, choose a plan, and we get the new system in. Our office helps you through the paperwork if you have questions.

01

Apply

Click apply and fill out the Foundation Finance application — it only takes a few minutes. Pre-qualification options may be available so you can check without a hard pull on your credit; details are shown during the application.

02

Get a decision

Foundation Finance reviews your application and shows the plans you qualify for. Choose a same-as-cash promo or a fixed-rate term that fits your budget.

03

Install

Once you're approved, we put you on the install schedule. The financing is written into your quote, and Foundation Finance spells out when your payments begin.

∞

Pay it off

Clear a same-as-cash balance before the promo ends to skip the interest, or stay on the fixed-rate term. Your loan agreement lists the early payoff terms.

Available plans

Pick what works for you.

There are two kinds of plans: a promo with a payoff deadline, or a steady payment over a longer term. The right one depends on how you like to budget.

Same-as-Cash · 0% APR
12 mo

12-Month Promo

Pay off the whole balance inside 12 months and you won't pay interest. Works well if you can pay it down fast but want to keep your savings intact through summer.

Most installs eligible
Apply for this plan →

On approved credit. Interest builds during the promo and is waived only if the balance is paid in full by the deadline.

Same-as-Cash · 0% APR
18 mo

18-Month Promo

A longer runway. Clear the balance within 18 months and you won't pay interest. Handy on bigger jobs, like replacing both systems in a two-story home.

Larger installs
Apply for this plan →

On approved credit. Interest is waived only if the balance is paid in full by the deadline.

Fixed-Rate · Standard
5-15 yr

Fixed-Rate Plans

The same payment every month for a set term, with no deadline to watch. Your rate and term depend on your credit and how much you borrow.

All system sizes
Apply for this plan →

Rate and term on approved credit. See your loan agreement for early payoff terms.

What you can finance

Most major installs.

Financing makes the most sense on big projects like a full system replacement or a repipe. A capacitor swap or a drain clearing usually isn't a fit.

New AC Systems

Full replacements, including attic air handlers and rooftop package units. A good match for either a promo or a fixed-rate plan.

See AC install →

Furnaces & Heat Pumps

Furnace and heat pump replacements, so you're ready for the handful of freezing nights each winter.

See heating install →

Repipes & Tankless

Whole-home repipes for older valley homes with worn copper or galvanized lines, and tankless water heaters. Both work well with financing.

See plumbing services →

From our Henderson shop to the whole valley.

We work out of a shop on Mountain Vista in Henderson and take calls from Summerlin to Boulder City, North Las Vegas to Paradise, and up I-15 to Mesquite. Call and we'll give you an honest arrival time.

Common questions

Financing questions, straight answers.

Will applying ding my credit?
Foundation Finance may offer pre-qualification with a soft credit check so you can see your options before a hard pull. A formal application is a standard credit inquiry; the application explains what kind of credit pull is being performed and asks for your consent before any hard pull. If you have questions before applying, give us a call.
Is there a minimum credit score?
Foundation Finance evaluates applications based on credit history, income, and other factors — not just a single credit score number. Specific approval thresholds and rates depend on the program; the application will show what you qualify for. If your score isn't where you'd like it to be, it can still be worth applying to see what comes back.
What happens if the promo runs out before I've paid it off?
The interest that built up during the promo gets added to your balance. Same-as-cash works best when you know where the payoff is coming from, like a tax refund or a bonus. If you're not sure, a fixed-rate plan is usually the safer choice.
Can I pay off early?
Most Foundation Finance plans allow early payoff without penalty — confirm the specifics for your loan in the agreement during application. Paying off early saves on interest where applicable.
How fast will I hear back?
Many applications get an answer quickly. Some need extra documents, which can add a little time. We don't book the install until your financing is approved, so you won't be left hanging.
What about a surprise repair?
Smaller repairs usually don't qualify. Bigger projects like system replacements, repipes and sewer line work usually do. Not sure? Ask us while we're writing up the quote.
Ready to apply?

One application.
Clear options.