HVAC Financing Options
Islas Heating & Cooling offers access to financing options through Hearth for qualifying HVAC projects. Review the pathway, understand who handles what, then continue to the third-party application.
How HVAC Financing Works
Financing options are available for qualifying HVAC projects. Islas Heating & Cooling offers access to financing options through Hearth, a third-party financing platform. Available offers, rates, terms, and approval are determined through the financing provider and may vary.
Islas Heating & Cooling remains your HVAC contractor. We handle the evaluation, estimate, equipment, and installation — while the financing provider handles the application, lending decision, offers, and repayment terms.
The best next step depends on where you are in your project. If you are planning a replacement, start with a replacement estimate. If you already have project information, you can review financing options and continue to the application.
Application Process
- 1Review your HVAC project and what you want to accomplish
- 2Request project information or an estimate from Islas Heating & Cooling
- 3Review the financing information on this page
- 4Continue to the third-party financing application
- 5The financing provider evaluates the application
- 6Review any financing offers provided to you
- 7If you choose an option, coordinate the approved HVAC work with Islas
Exact underwriting steps, credit bureau used, approval time, and response time are determined by the financing provider and are not published here.
Islas vs the Financing Provider
Islas Heating & Cooling
Handles
- HVAC evaluation and project scope
- Estimate and proposal
- Equipment and service selection
- Installation and repair work
- Project scheduling
Financing Provider
Handles
- Financing application
- Eligibility and lending decisions
- Financing offers
- Rates and repayment terms
- Financing disclosures
What Financing May Be Used For
Financing may be available for qualifying HVAC projects depending on the financing provider's available offers and approval. The categories below are common larger projects; not every repair, maintenance visit, thermostat, duct cleaning, or IAQ accessory is guaranteed to be financeable. No provider minimum or maximum project amount is published unless currently verified.
Estimate First or Financing First?
If you are considering a complete-system replacement, you may first request a replacement evaluation and proposal from Islas, then review financing options. A free complete-system replacement estimate is available when specifically scheduled for replacement evaluation.
Diagnostic troubleshooting of an active HVAC problem is a separate $75 service visit and is not a financing charge. Financing does not change the diagnostic policy.
Rates, Terms & Approval
- Available offers, rates, terms, and approval are determined by the financing provider and may vary.
- No APR, interest rate, 0% period, promotional term length, or monthly payment is published here unless currently verified from the provider.
- Approval and available financing options are determined by the financing provider — not Islas Heating & Cooling.
- No minimum credit score, guaranteed approval, instant approval, or "everyone qualifies" claim is made.
- Available payment terms depend on the financing options offered to the applicant.
YORK® Equipment & Financing
Islas Heating & Cooling installs YORK® HVAC equipment and is a YORK® Dealer. Financing is offered through Hearth and is not a YORK financing program unless separately verified. Equipment selection and financing are separate decisions.
YORK® SystemsYORK® is a registered trademark of Johnson Controls International plc and its affiliated companies. Used under license.
Continue to the Financing Application
You will continue to a third-party financing application. Financing offers, rates, terms, and approval are determined by the financing provider.
Opens the third-party financing application in a new tab. Islas Heating & Cooling is not the lender.
Frequently Asked Questions
Areas We Serve
Proud to serve homeowners and businesses throughout the Inland Empire
What Our Customers Say
"Super happy with their service. Great communication, professional, polite, and amazing work. Got us a better unit than promised and kept his word. No surprises — just great work at the same fair price quoted. Highly recommended!"
"Very professional and detail-oriented. Called Islas for a ceiling fan installation and was so impressed I had them assess my HVAC system too. Found issues other companies missed and gave an honest recommendation."
"Best HVAC experience I've ever had. Honest pricing, fast response, and the installation was immaculate. I'll never call anyone else for my heating and cooling needs."
"Same-day service when my AC went out during the summer heat. The technician was professional, explained everything clearly, and had the system running in no time. Excellent service!"
"Installed a mini split in my garage perfectly. The work was clean, professional, and the price was fair. This is the kind of company you want doing work in your home."
"Islas installed our new HVAC system and we couldn't be happier. The team was on time, professional, and left the work area cleaner than they found it. True professionals."
"Called them for an emergency furnace repair on a cold night. They came out quickly, diagnosed the problem fast, and had heat restored same night. Incredible service."
"Outstanding HVAC company. They did a complete system replacement and the workmanship was top notch. Fair pricing, clear communication, and zero hassle. Highly recommend."
Trusted by homeowners throughout the Inland Empire.
Apply for Financing
You will continue to a third-party financing application. Financing offers, rates, terms, and approval are determined by the financing provider. Islas Heating & Cooling is not the lender.
Questions About HVAC Financing?
For dependable HVAC installation, repair, maintenance, and emergency service, call Islas Heating & Cooling today. Our team is ready to help with honest recommendations and reliable results.