6-month same-as-cash
6 monthly payments, 0% if paid in full
0% APR
For repairs over $500 — the bill splits into six equal payments and you pay exactly the invoice amount. Approval takes minutes on the technician's tablet.
Repairs over $500
Financing
A burst pipe shouldn't wait for payday
Emergencies don't schedule themselves around your savings account. Approval takes minutes on the technician's tablet, work starts immediately, and every plan below shows its real cost — including the interest, because pretending it doesn't exist is someone else's business model.
Financing plans
12-month plan
12 monthly payments
9.99% APR
For water heaters and mid-size repairs over $1,000. Fixed 9.99% APR, no prepayment penalty.
Repairs over $1,000
36-month plan
36 monthly payments
11.99% APR
Spreads furnace and AC replacements over three years. Fixed 11.99% APR, open loan — pay it off early any time.
Repairs over $2,500
60-month plan
60 monthly payments
13.49% APR
For full system replacements — heat pumps, furnace + AC combos. Fixed 13.49% APR, no early-payout penalty.
Repairs over $5,000
Financing offered through Meridian Lending Partners (a fictional lender for this demo), on approved credit. Every plan is an open loan — pay it off early any time with no penalty.
Real payment math, worked out
Amounts are the midpoints of the same ranges on our pricing page. Total repaid is shown for every plan — the interest is part of the price, so it's part of the table.
| Job (midpoint price) | 6-month same-as-cash | 12-month plan | 36-month plan | 60-month plan |
|---|---|---|---|---|
| 50-gallon water heater, installed $2,190 | $365/mo $2,190 total | $193/mo $2,310 total (+$120) | — | — |
| Gas furnace replacement (80% AFUE) $5,040 | $840/mo $5,040 total | $443/mo $5,317 total (+$277) | $167/mo $6,026 total (+$986) | $116/mo $6,957 total (+$1,917) |
| Heat pump system, installed $8,690 | $1,448/mo $8,690 total | $764/mo $9,167 total (+$477) | $289/mo $10,389 total (+$1,699) | $200/mo $11,995 total (+$3,305) |
Examples only — your quote and approved terms set the real numbers, in writing, before work starts. 0% plans repay exactly the invoice amount when paid on schedule.
On the tech's tablet
Approved before the old unit is drained
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Quote first
You get the firm flat-rate number in writing. Financing never changes the price — it changes when you pay it.
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Five-minute application
Soft check first, on the technician's tablet or your own phone. Most decisions come back before the paperwork is done.
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Work starts same visit
Approved? The job proceeds immediately. First payment lands about 30 days after the work passes your walkthrough.
Questions about a specific job? Call (503) 555-0161 — dispatch can run the payment math with you before anyone rolls.
Emergency now, payments later.
Get the ETA and upfront range first — financing is a five-minute conversation once the quote is in your hand.
On site in 60 minutes on priority-one calls, or the dispatch fee is $0 — the fine print is one paragraph, and it's public.