Deferred Interest
Or No Interest
NO Payment
Have credit concerns? Relax, we have options for most levels of credit – down to 580 FICO.
We have partnered with GoodLeap to offer flexible payment options for your project. GoodLeap uses a soft credit check until funding and the highest score from all 3 bureaus to see if you qualify. It also takes just a few minutes to get started.
Fixed Interest
Low Monthly Payments
Not every home upgrade or repair waits for a convenient time. A furnace can quit on the coldest night of the year, an AC can fail during a sweltering Philadelphia heatwave, or a pipe can burst and flood the bathroom. These emergencies create stress, not just from the inconvenience but also from the sudden expense. That’s why GEN3 Electric & HVAC offers financing plans that keep your home safe, comfortable, and efficient without draining your savings.
Think of our financing programs as a bridge between your immediate needs and your long-term financial comfort. Whether you’re replacing a furnace, repairing a leak, upgrading electrical systems, or upgrading your home in any other significant way, we provide flexible payment options that fit your budget and credit situation.
With a variety of terms, interest rates, and loan amounts, as well as connections to Philadelphia’s RRR program, we make it possible to invest in your home now while paying over time — so you can handle emergencies without delay. Learn more about us and our financing options, check out our current offers, or contact us now to start your project!
From short-term “same-as-cash” offers to long-term fixed-rate loans, we give customers the freedom to choose the financing structure that works best for them. You can apply online in minutes, review your options, and select the payment plan that aligns with your income and expenses.
Our partners offer loan amounts up to $100,000, unsecured, so there’s no need to tap into a home equity loan or home equity line of credit if you’d rather keep that resource untouched. For added accessibility, we have programs available for a wide range of credit scores, even down to 580.
When the unexpected happens, waiting for payday or building up savings isn’t always an option. But if you’re worried about how much it costs to rewire a house or replace an HVAC unit, we’re here to help!
We offer HVAC financing, electrical financing, and water heater financing when you need it. If your heating fails in January, we can install a new system immediately and spread the cost over time. If your water heater breaks down and leaves you without hot water, our financing can cover the cost so repairs or replacement can start immediately.
From sump pump replacements to urgent water heating system repairs, you’ll have the ability to restore your home quickly without a large down payment.
We know financing can feel complicated, so we break down every program’s details before you commit. You’ll see the annual percentage rate, any applicable fee, the total loan amount, and the estimated monthly payment. Whether you’re looking at revolving credit or a fixed-interest loan, you’ll know exactly what your investment costs and how long it will take to pay off.
As one of Philadelphia’s most trusted HVAC and electrical contractors, we understand that quality customer service is about more than the repair or installation — it’s about making every step of the process easier.
Our financing programs are designed to give customers peace of mind, knowing they can schedule upgrades, maintenance, or emergency repairs without financial strain. We make sure that cost never stops you from getting the job done right.
Heating, cooling, and electrical financing give homeowners like you access to better technology, safer systems, and higher efficiency ratings. Upgrading to an Energy Star AC unit or improving indoor air quality with advanced air filters can improve comfort while lowering utility bills.
Many of our HVAC systems qualify for rebates, tax credits, or special promotional interest rates. Financing also allows you to replace outdated equipment before it fails, avoiding costly emergency service fees and preventing further damage from leaks, faulty wiring, or inefficient systems.
Your home’s comfort, safety, and efficiency are worth the investment, and emergencies can’t wait. With our financing plans, you don’t have to choose between protecting your home and protecting your wallet. Apply online today, explore your options, and get approved quickly, so you can replace, restore, and upgrade your systems without delay.
Contact our team now to schedule your repair, installation, or upgrade — or check out our HVAC maintenance programs — and take advantage of financing that works for your needs!
