Flexible HVAC Financing
Solutions for Every Budget

Your comfort shouldn't wait for your budget. At Graco Heating & Air, we understand that HVAC investments can be significant, which is why we've partnered with leading financing providers to make quality heating and cooling systems accessible to every North Texas family. With over 30 years of experience helping homeowners achieve comfort, we offer flexible financing solutions through GoodLeap and Service Finance, featuring quick approvals, competitive rates, and payment plans that fit your budget.

Armstrong Pro Team

TX License #TACLA00017212E

Make Comfort Affordable

Financing Solutions for Your Budget

We understand that HVAC investments can be significant, which is why we've partnered with leading financing providers to make comfort affordable for every North Texas family:

Flexible Payment Options for Every Budget

Don't let budget concerns delay your comfort. Our financing partners offer solutions for various credit situations, quick approval processes, and flexible terms that make quality HVAC systems accessible to everyone. With over 30 years of experience, we've helped thousands of North Texas families find the perfect financing solution.

Service Finance

Service Finance Solutions

  • Quick online application and approval
  • Competitive interest rates
  • Budget-friendly monthly payments
  • No prepayment penalties
  • Same-day approval available
  • Flexible terms up to 144 months

Perfect for homeowners who want predictable monthly payments with competitive rates.

Learn More About Service Finance
GoodLeap

GoodLeap Financing

  • Extended terms for lower payments
  • Transparent application process
  • Fast approval decisions
  • Energy-efficient system incentives
  • No hidden fees or surprises
  • Digital document management

Ideal for energy-efficient upgrades with specialized programs for high-efficiency systems.

Explore GoodLeap Options

Get Your Financing Quote Today

Quick Approval Process

Most applications receive approval decisions within minutes, not days.

5 min

Application

24 hrs

Approval

Same Day

Installation

30+ Years of Experience

30+ YEARS OF EXPERIENCE

Community Focused

COMMUNITY FOCUSED

Proudly Serving Northern Texas

PROUDLY SERVING NORTHERN TEXAS

Military & First Responder Discounts

MILITARY & FIRST RESPONDER DISCOUNTS

24/7 Emergency Service

24/7 SERVICE

Detailed Financing Information

Choose the Right Financing for You

Compare our financing partners and find the solution that best fits your needs and budget.

Service Finance

Service Finance Details


Loan Features

  • Loan amounts from $1,000 to $65,000
  • Terms from 12 to 144 months
  • Fixed interest rates
  • No down payment required
  • No early payoff penalties
  • Quick online application process

Qualification Requirements

  • Minimum credit score of 620
  • Verifiable income
  • Valid government-issued ID
  • Active checking account
  • Homeowner or qualified renter
  • 18 years or older
Best For:

Homeowners seeking traditional financing with predictable monthly payments and established credit history.

GoodLeap

GoodLeap Financing Details


Program Benefits

  • Extended repayment terms up to 25 years
  • Competitive interest rates
  • No prepayment penalties
  • Digital application and management
  • Energy efficiency incentives
  • Flexible payment options

Application Process

  • Simple online application
  • Instant pre-qualification
  • Fast approval decisions
  • Electronic document signing
  • Transparent terms and conditions
  • No hidden fees
Best For:

Energy-efficient system upgrades, longer payment terms, and homeowners who prefer digital financing management.

Why Finance Your HVAC System?

Smart reasons to consider financing for your comfort investment

Preserve Your Savings

Keep your emergency fund intact while investing in home comfort:

  • Maintain financial security
  • Avoid depleting savings
  • Budget-friendly monthly payments
  • Predictable payment schedule

Immediate Energy Savings

Start saving on energy bills right away:

  • Lower monthly utility costs
  • High-efficiency equipment
  • Offset financing with savings
  • Long-term cost benefits

Increase Home Value

Add value to your property investment:

  • Boost resale value
  • Attract potential buyers
  • Modern, efficient systems
  • Improved home marketability

Simple Application Process

Get approved in just a few easy steps

Schedule Consultation

Contact Graco for your free in-home estimate and financing consultation.

Choose Your Plan

Select the HVAC system and financing option that best fits your needs and budget.

Apply for Financing

Complete the quick online application with your chosen financing partner.

Enjoy Comfort

Once approved, we'll schedule your installation and you can start enjoying improved comfort.

Ready to Get Started?

Contact Graco Heating & Air today to learn more about our financing options and schedule your free consultation.

Graco Heating & Air Service Area Map - Lewisville & North Texas

SERVING LEWISVILLE AND BEYOND

SERVICE AREAS AND LOCAL EXPERTISE IN LEWISVILLE & NORTH TEXAS

Our Lewisville headquarters positions us perfectly to serve North Texas communities with quick response times, local climate knowledge, and area-specific solutions. Our established supplier relationships make serving our community even easier, both on the job and off.

DON'T SEE YOUR LOCATION LISTED?

We proudly serve homeowners throughout Denton, Collin, Dallas, Cooke, and Grayson counties. Our local expertise allows us to provide quick, reliable service across the region. If you're in the area, just give us a call to confirm service to your specific location.

Financing Questions

Frequently Asked Questions

Get answers to common financing questions

Credit requirements vary by lender. Service Finance typically requires a minimum score of 620, while GoodLeap may have more flexible options. We work with multiple lenders to find the best solution for your situation.

Most applications receive approval decisions within minutes to hours. Same-day approvals are common, allowing us to often schedule installation the same day or next day.

No, both Service Finance and GoodLeap offer loans with no prepayment penalties. You can pay off your loan early without any additional fees.

You'll need basic information including your Social Security number, income details, employment information, and banking details. The application process is simple and secure.

Why Choose Graco

Your Financing Partner

With over 30 years of experience helping North Texas families achieve comfort, we understand that every situation is unique. Our financing partnerships allow us to offer flexible solutions that make quality HVAC systems accessible to everyone.

From quick approvals to competitive rates, we're here to guide you through the financing process and ensure you get the best deal possible.

30+ Years

Financing Experience

95%

Approval Rate

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