Financing for Heating, Cooling & More
At Day & Night Mechanical Solutions, we understand that replacing a furnace, air conditioner, heat pump, boiler, or water heater can be a significant investment — especially when an unexpected breakdown leaves you needing a new system.
As a family-owned Colorado company serving our communities since 1989, we believe homeowners should have options when it comes to improving their comfort. That’s why we offer several financing solutions through established financing providers, along with access to special energy-efficiency financing programs available to qualifying Colorado homeowners.
Whether you’re looking for convenient monthly payments, promotional financing, or a low-interest energy improvement loan, our team can help you explore the options available for your project.
Traditional HVAC Financing Options
Day & Night Mechanical Solutions offers several financing paths through established providers. Available programs, terms and approval requirements vary by provider and applicant.
FTL Finance
FTL Finance specializes in financing for heating, cooling, and other home service projects. Through FTL Finance, qualifying homeowners can explore installment loans with flexible repayment options. Available programs may include longer repayment terms, promotional financing, and options designed for customers with different credit profiles.
FTL Finance can be a practical option for homeowners who need to replace equipment or complete necessary HVAC improvements without paying the full cost upfront.
Synchrony Financing
Synchrony offers financing solutions that can help make heating and cooling equipment purchases more manageable. Depending on the promotional program available, qualifying customers may have access to convenient monthly payments and special financing offers.
Certain promotional plans may offer deferred interest when the balance is paid in full within the specified promotional period. We’ll explain the financing options currently available through our company so you can review the terms before making a decision.
Acorn Finance
Acorn Finance provides access to a network of lending partners, allowing homeowners to compare personalized financing offers. Customers can check potential loan options through an online prequalification process without affecting their credit score. Available offers may include fixed interest rates, different repayment periods, and monthly payment options.
Acorn Finance can be especially useful for homeowners who want to compare multiple financing offers before selecting a loan.
Colorado Energy-Efficiency Financing Programs
Xcel Energy ClearPath On-Bill Financing
For eligible Xcel Energy residential customers, the ClearPath On-Bill Financing program offers a different way to pay for qualifying energy improvements. Rather than making a separate monthly loan payment, approved customers repay the financed amount through their regular Xcel Energy utility bill.
Program features may include:
• Financing up to $50,000 for qualifying projects.
• Repayment terms of up to 10 years.
• No money down for eligible projects.
• Financing for qualifying heat pumps, heat pump water heaters, and other approved energy upgrades.
• Eligibility based in part on utility account and payment history.
This program is administered through the Collective Clean Energy Fund in partnership with Xcel Energy. Eligibility, rates, fees, and qualifying equipment requirements apply.
Colorado RENU Loan — Low-Cost Energy Improvement Financing
The Colorado Residential Energy Upgrade (RENU) Loan is a statewide financing program administered by the Collective Clean Energy Fund in partnership with participating Colorado credit unions. The program helps qualifying homeowners finance eligible energy-efficiency and home improvement projects.
Program features may include:
• Financing up to $75,000.
• Low, fixed interest rates.
• No-money-down options.
• Extended repayment terms for qualifying projects.
• No prepayment penalties.
• Financing for eligible heating, cooling, and water-heating improvements.
Eligible projects may include qualifying heat pumps, high-efficiency furnaces, air conditioning systems, water heaters, and other energy-saving improvements. Equipment eligibility and loan terms vary by project and participating lender.
Which Financing Option Is Right for You?
Every homeowner’s situation is different. Some customers prefer traditional financing with predictable monthly payments. Others may benefit from comparing multiple lenders, taking advantage of a promotional financing offer, or exploring a Colorado energy-efficiency program.
The best choice depends on your equipment, project cost, eligibility, available financing terms, and personal financial preferences. Our team can help you identify the programs that may be appropriate for your installation and direct you to the applicable financing provider for details.
Can Financing Be Combined With Rebates?
In some cases, yes. Qualifying heating and cooling equipment may be eligible for utility, manufacturer, or other energy-efficiency rebates that help reduce the overall project cost. Certain financing programs may allow applicable rebates to reduce the amount being financed, subject to program requirements.
Because rebate programs and financing terms change, we’ll help you review the options available at the time of your estimate. Learn more about available HVAC rebates and incentives.