Climate Pros SD matches you with licensed HVAC companies. We do not lend, broker loans, or publish APRs, dealer buy-down percents, or an installed-cash band.
Product types, not a menu of this brand’s rates
- Home equity or HELOC: your bank or credit union. Ask the current rate, fees, and whether HVAC is an allowed use. Not HVAC advice.
- FHA Title I and similar government-insured home improvement loans: eligibility is the lender’s and HUD’s, not a blog.
- Utility on-bill or tariffed programs: only if SDG&E or another named program is actually open. Confirm on the utility site, not a residual table.
- Dealer or contractor paper: often sold at the kitchen table. Ask whether interest is deferred (a missed payment can dump a back-interest pile), whether the HVAC company is paid a dealer fee, and the full APR in the TILA box.
A “0 percent” sticker that converts is a sales pattern. This site does not list current promotional APRs.
Get the equipment quote itemized first. Financing is a second contract. Do not subtract 2026 25C, closed TECH single-family HVAC (November 14, 2025), or reserved HEEHRA single-family (February 24, 2026) from a cash price to invent a net.
Call (442) 777-6440 to get matched for the HVAC work. Ask that company whether they offer third-party financing and read that lender’s paper yourself.