North East Heating And Cooling

HVAC & AC Financing in Tampa Bay

Get comfortable now.
Pay for it over time.

See your personalized monthly payment options within minutes — without affecting your credit score. Whether it's an emergency repair or a full system replacement, apply online, choose what fits your budget, and keep your Tampa Bay home comfortable today.

Apply for FinancingGet a Free Quote First

60-second pre-qualification · No impact to your credit score · No obligation · Powered by Hearth

A relaxed, comfortable Tampa Bay family at home after financing their new HVAC system
Loan amounts up to $250,000
Funding in as little as 1–3 days
Affordable monthly payment options
No prepayment penalties
No home equity required
60-second pre-qualification
A Tampa Bay family enjoying a comfortable, well-cooled home

Why finance with us

HVAC financing made simple

A broken AC in the Florida heat can't wait — and neither should you. Financing lets you take care of it today and pay at a pace that works for your household.

Apply in minutes

A short online application — no piles of paperwork, no waiting at the bank.

No hit to your credit to check

Seeing your options uses a soft credit inquiry, so it won't affect your credit score.

Repairs or replacements

Finance anything from an emergency fix to a complete new HVAC system.

Options for many credit profiles

Hearth works with multiple lending partners, so a range of credit backgrounds may see options.

Four simple steps

How HVAC financing works

1

Apply online

Fill out the quick application. It only takes a few minutes, and checking won't affect your credit score.

2

See your options

Get personalized monthly payment options from Hearth's lending partners, based on what you need.

3

Choose what fits

Pick the option that works best for your budget. There's no obligation until you accept an offer.

4

We get to work

Schedule your repair or installation and stay comfortable — without draining your savings.

Start Your Application

Try it yourself

Estimate your monthly payment

Enter your project cost and credit range to see an estimated monthly payment, then click through to view your real, personalized options.

From a quick fix to a full system

What you can finance

Financing can be applied to just about any service we offer across Tampa Bay.

New AC & system installation
AC & system replacement
Emergency AC repair
Heat pump systems
Ductless mini-splits
Indoor air quality upgrades
Smart thermostats
Commercial HVAC
Chris Grullon, owner of North East Heating And Cooling, on a Tampa Bay job site

A local owner you can reach

Not sure where to start? Talk to Chris.

Financing should make your decision easier, not more confusing. Chris will walk you through your options in plain English, help you figure out what your project will cost, and answer any questions — no pressure, no runaround.

(813) 291-6146Send a message

Common questions

HVAC financing FAQ

Does checking my financing options affect my credit score?
No. Seeing your options uses a soft credit inquiry, which does not affect your credit score. A hard inquiry would only happen later if you formally accept a loan offer from one of Hearth's lending partners.
Can I get financing with less-than-perfect credit?
Possibly. Hearth works with multiple lending partners, so homeowners across a range of credit backgrounds may see options. All financing is subject to credit approval, and the approval decision and terms are determined by the lending partners — not by North East Heating And Cooling.
How fast can I get approved?
The online application takes just a few minutes, and many homeowners see their prequalified options right away. With Hearth's lending partners, approved projects can be funded in as little as 1–3 days.
Can I finance repairs, or only new systems?
Both. You can apply financing to an emergency repair, a maintenance visit, a new installation, or a full system replacement.
Is there any cost or obligation to apply?
No. Checking your options is free and comes with no obligation, no prepayment penalties, and no home equity required. You only commit if you choose to accept an offer from one of Hearth's lending partners.
Who actually provides the financing?
Financing is provided by Hearth's third-party lending partners. North East Heating And Cooling is not a lender and does not make credit decisions — we simply make it easy for you to apply and keep your home comfortable now.

Ready to see your options?

Apply online in a few minutes. Checking won't affect your credit score, there are no prepayment penalties, and there's no obligation to move forward.

Apply for Financing

Financing is provided by Hearth's third-party lending partners. North East Heating And Cooling does not make loans or credit decisions and is not a lender. All loans are subject to credit approval. Checking your options is a soft credit inquiry and will not affect your credit score. Annual percentage rates (APR), terms, and amounts are set by Hearth's lending partners and vary by applicant. This is not an offer or commitment to lend. Hearth is a registered trademark of Shogun Enterprises Inc. NMLS ID #1628533.

Call (813) 291-6146