WE’RE PROUD TO OFFER TWO EXCELLENT FINANCING OPTIONS FOR OUR CUSTOMERS
We want to be able to offer great service to all of our customers when they need it most. We understand the need to make repairs when you need them, and we also understand the need for flexible payments options in order to do that.
For that reason, we offer two convenient and easy financing options for jobs that may be too much to deal with at one time. We work with FTL Finance and Microf to help you better manage your HVAC or heating and cooling system’s repair or replacement.
FTL Finance
FTL Finance has been providing convenient financing options for residential HVAC equipment since 1996. They offer easy, fixed interest rates and a streamlined online process to help you manage your payments efficiently. FTL Finance is a trusted partner of Affordable Same Day Service, and we can help guide you through the process if you have any questions.
To apply for HVAC or another repair financing through FTL Finance, click the link below.
Microf
No Credit check financing option. Another financing option we offer to our clients is through Microf. Microf’s mission statement is to “Restore the Heating and Cooling Needs of the consumer with an affordable monthly payment.” They offer a flexible financial solution to buyers from a wide variety of credit backgrounds. Microf is one of our trusted partners, and we are happy to work with them on your behalf to get you the financing option you need.
To apply for HVAC repair or replacement financing though Microf, click the link below.
Government Programs
The State of Missouri and the City of Columbia offer loan and grant options for low or moderate income property owners who need to make home improvements or repairs.
State of Missouri
Missouri participates in something called the Section 504 Home Repair Program, which provides 1% fixed interest rate loans to very-low-income homeowners who need to make repairs on their homes. The program also includes a grant option for very-low-income elderly homeowners who need to make repairs for health and safety reasons.
To qualify for either of these options, you must:
- Be the homeowner and occupy the house
- Be unable to obtain affordable credit elsewhere
- Have a family income below 50 percent of the area median income
- For grants, be age 62 or older and not be able to repay a repair loan
To learn more about this program or to find your field office to apply, view the program details from the USDA.
City of Columbia
The City of Columbia has a Minor Home Repair program that provides 0% interest loans to low-and-moderate income homeowners within the city limits of Columbia to perform minor home improvements, including HVAC repair.
Homeowners are eligible to apply for the repair program if they:
- Own and live in the home that is to be rehabilitated
- Reside within the city limits of Columbia
- Meet the Department of Housing and Urban Development (HUD) income limits
- Are not currently in bankruptcy proceedings
- Are current on their mortgage and real estate taxes
- Do not have more than $50,000 in readily available resources
To learn more about this program or to contact the city about applications, view the program details from the City of Columbia.