Financing

A new air conditioner or furnace is a big home project. Icee Hot Air Conditioning and Heating is a family-owned residential HVAC company, and we want that project to be within reach. For qualifying AC and furnace installation and replacement work, we offer financing through Service Finance Company, LLC.

Call 951.427.9117 any time, including nights and weekends, and we will talk through the work you need and whether financing is a fit. We are open 24/7.

About Service Finance

Service Finance is a sales finance company that works with home improvement contractors, including HVAC companies, so customers can finance a project with an installment contract. It is not a credit card and not a revolving line of credit. If you are approved, you finance a set amount for a set term, and the details are spelled out in your contract.

Service Finance describes several kinds of programs, including no-interest, deferred-interest, and longer-term installment plans. The plans we can offer on a given job depend on the program available at the time and on the credit decision. We will go over the options that apply to your project before you sign anything. Please read the contract carefully, including any promotional period, the payment amount, and when the first payment is due.

12 months no interest, no payment. On qualifying installation and replacement projects, Service Finance, our third-party lending partner, currently offers a 12 months no interest, no payment plan, subject to credit approval. Ask us about it when we go over your quote.

How to apply

Financing is arranged through us as your contractor, not as a loan you shop for on your own. After we diagnose the system and you have a quote for the installation or replacement, we can help you start a Service Finance application. Approval is not guaranteed. If you are approved, you choose a plan, review the terms, and sign the contract. Service Finance pays us after the work is complete and the required paperwork is finished. From there, you make your payments to Service Finance.

Once you have an account, Service Finance has a borrower portal at myloan.svcfin.com where existing customers can view statements and make payments. They also list payment options such as check, ACH, money order, or cashier’s check. They do not accept credit or debit cards for loan payments.

Looking for an online apply button? If we have a current Service Finance application link, we will add it here. Until then, the surest way to apply is to call 951.427.9117 after you have a quote, and we will walk you through it.

What financing is usually used for

Customers most often use financing for air conditioner and furnace installation or replacement, when the project is larger than a simple repair. If you are not sure whether repair or replacement is the better path, we will explain both and will not push you into a new system you do not need.

Our installation warranty

On installations we perform, you get a 1-year labor warranty and a 10-year parts warranty on what Icee Hot Air installs. That is separate from the financing contract. For repairs, we warrant for 6 months the part we installed.

Questions we hear a lot

Will financing change the work itself?

No. We diagnose the system, explain the options, and do the install the same way whether you pay in full or finance a qualifying project.

Can I add more work to an existing contract later?

Service Finance says that once the work is complete and the contractor has been paid, you cannot add more money to that account. A new project would need a new application.

Who do I call with billing questions after the job?

For questions about your loan, payments, or statements, contact Service Finance through the borrower portal or the phone numbers on your contract and statements. For questions about the equipment or the installation, call us at 951.427.9117.