HVAC Financing Options for Upstate South Carolina Homeowners
Upgrade your comfort now — and pay over time with fixed low monthly payments.
The process is simple. Get fast approval, no upfront cost, and a financing plan that works for you.
Get approved in minutes — with a soft credit check and no sales pressure. Want to learn more first? Scroll down for details and FAQs.
Get the Upgrade. Skip the Upfront Stress.
Nobody plans for their AC or heat to go out. Financing makes it possible to fix the problem now, without having to fork out a large sum.
With flexible financing through Momnt (our financing partner), you don't have to wait, settle, or be worried that you can't afford it.
We make it easy to get the systems you need, without draining your savings.
Whether you're replacing a failing unit or finally installing that whole-home generator, financing opens the door.
What You Can Finance
Most installations and replacements qualify — including the big upgrades that normally feel out of reach.
We offer financing for:
- Full HVAC system replacements
- Mini-split and heat pump installs
- New air conditioners or furnaces
- Whole-home generators
- High-efficiency water heaters
- Indoor Air Quality Solutions
- And more
We offer financing for projects starting around $3,100, with approval amounts up to $25,000 or more, depending on your credit.
If you’re not sure your project qualifies, reach out here — we’ll walk you through it.
Ask About Your ProjectHow Financing Works
We’ve made the process simple — no confusing paperwork or awkward bank visits.
Here's how it works:
Choose your service
Once you know what you need, we’ll help you select the right install or upgrade.
Get a secure application link
We’ll send a simple financing link from Momnt. The application only takes 5-10 minutes.
Receive a fast decision
Most customers get approved in minutes, with no impact on credit.
Schedule your install
Once approved, we get your project on the calendar right away.
Pay monthly through Momnt
Pay at your own pace with no prepayment penalties.
Frequently Asked Questions
No — checking your eligibility through Momnt is a soft credit check and won't impact your credit score.
Yes — most of our customers finance their install with $0 down and 0% interest for 12 months.
The application itself takes about 5 minutes to complete and you typically get approved immediately.
You can finance most installations, replacements, and upgrades — including new HVAC systems, mini-splits, generators, and water heaters.
Financing is available for projects starting at $3,100. Approval amounts go much higher — depending on your credit and the size of your project.
No. You can pay off your balance anytime without any fees or penalties.
Payments are made directly to Momnt, our financing partner — not to 5 Lakes.
Not at all. We're happy to walk you through the options and help you decide if financing is the right move.