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Call 760-983-2326
JC Energy Solutions
Free Estimate

Comfort now. Pay over time.

HVAC financing — 0% APR available

Don't let a broken AC or aging furnace become a $10K shock. Multiple lenders, instant pre-qualification, and zero pressure.

Call 760-983-2326

0%

APR available

Promotional plans on qualifying installs.

Minutes

Instant decisions

Soft credit pull for pre-qualification.

$0

Down payment

On qualifying programs.

Lenders we work with

We partner with multiple national HVAC lenders so you get options, not a take-it-or-leave-it pitch:

  • Synchrony — promotional 0% APR plans, instant decisions
  • Service Finance Company — long-term low monthly payments
  • EnerBank USA — same-day approvals on qualifying credit
  • FTL Finance — secondary lender for credit-challenged customers

How it works

  1. You request a free estimate (call 760-983-2326 or use the form)
  2. We size the right system and quote it in writing — no high-pressure sales close
  3. You decide if you want to finance — soft credit pull for pre-qualification, no obligation
  4. Approved? We schedule the install. Payments begin after the system is running.

What rebates apply in 2026?

Federal IRA 25C / 25D credits expired December 31, 2025. We don't promote them — you'd find out at tax time, and that's a trust killer.

HEEHRA single-family rebates fully reserved as of February 24, 2026 — waitlist only. We track every active program (SCE rebates, manufacturer instant rebates, SoCalGas where piped gas is available) and apply only what actually qualifies for your home and zip code.

Frequently Asked Questions

What's the lowest monthly payment you can get me to?
On a typical $8,000 system installation, payments often start around $99/month with qualifying credit. Exact rate depends on amount financed, term, and credit profile.
Does applying for financing affect my credit score?
Pre-qualification typically uses a soft credit pull — no impact to your score. The hard pull happens only if you proceed with a loan.
How fast is approval?
Most decisions return in minutes. We've had customers pre-approved while we were still walking the home.
What if I have less-than-perfect credit?
Multiple lenders + multiple programs. We'll work with you to find an option that fits — including secondary lenders for credit-challenged customers.
Can I pay off early?
Yes — every plan we offer has no prepayment penalty.
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