Financing
Affordable payments, honest terms.
We offer financing through Wisetack — one trusted provider, one simple application. Check your options in about a minute without impacting your credit score.
Recent Install
A new system today, on monthly payments that work.
One Provider, Zero Confusion
All financing through Wisetack.
No maze of lenders or fine-print program tiers. Every financed job at A&E Heating & Cooling runs through Wisetack — a consumer-friendly financing platform built for home services. Here's what that gets you.
Finance $500 to $25,000
From a same-day repair to a whole-home system replacement — spread the cost into monthly payments that fit your budget.
Check your options in a minute
The application takes about 60 seconds, and checking your eligibility does NOT impact your credit score.
Terms from 3 to 24 months
Choose from multiple payment plans, with APRs starting at 0% for qualifying customers.
No hidden fees, ever
No origination fees, no prepayment penalties, no late fees, no compounding interest. What you see is what you pay.
How financing works — three easy steps.
Check your options
Answer a few questions on Wisetack's secure application — it takes about a minute, and checking won't affect your credit score.
Pick your payment
See the plans you qualify for and choose the monthly payment that fits. Terms run from 3 to 24 months.
We get to work
We complete your repair or install, and you pay over time. Funds go directly to us — nothing for you to mail or manage.
Checking eligibility won't affect your credit score
APRs from 0% for qualifying customers
No prepayment penalties
*All financing is subject to credit approval. Your terms may vary. Payment options through Wisetack are provided by our lending partners. For example, a $1,200 purchase could cost $104.89 a month for 12 months, based on an 8.9% APR, or $400 a month for 3 months, based on a 0% APR. Offers range from 0–35.9% APR based on creditworthiness. State interest rate caps may apply. No other financing charges or participation fees. See additional terms at wisetack.com/faqs.
The Short Version
Financing, in plain English.
You apply with Wisetack, they show you real monthly payment options, and you pick one — or walk away with zero obligation and zero impact on your credit. We never see your personal financial details, and we never mark up the price for financed jobs.
Who is the lender?
Wisetack and its lending partners — not us. We're the contractor; Wisetack handles the financing.
Does applying hurt my credit?
No. Prequalifying is a soft check and won't affect your credit score.
When do I apply?
Anytime — before we quote, or right from your estimate. Most customers apply after seeing their quote.
What does it cost to pay early?
Nothing. There are no prepayment penalties and no hidden fees.
Get an estimate. Apply in a minute.
We'll quote you up front, then you can check your Wisetack payment options on the spot.