Big repair, monthly payment. No predatory math.
A new system shouldn't wait for a tax refund. We offer a variety of plans for every need and budget through national lenders — apply in 60 seconds, decision in two minutes.
Honest options for every budget.
0% for 12 months
No interest if paid in full within 12 months. Subject to credit approval.
0% for 18 months
For purchases over $5,000. Same terms — pay it off, pay no interest.
0% for 24 months
On qualifying Generac generator installs only.
Reduced APR
Lower rates for longer terms — up to 60 months at 9.99% APR.
Same-as-cash
90 days same-as-cash for repairs over $1,000.
Senior options
Reduced down-payment requirements for customers 65+.
How financing works at Koontz
When the tech writes your quote, we'll show you the financing options that match the job size. If you want to apply, it's a 60-second form on a tablet — Social Security number, address, income. The lender comes back with a decision in two minutes. If approved, the work starts.
Who we use
Service Finance and Synchrony for HVAC and plumbing. Wells Fargo for electrical. All are nationally regulated, all are transparent about their terms, and none charge hidden fees. We don't make money from the financing — only from the work. Our incentive is your installation, not your interest.
What we don't do
We don't push financing on customers who don't need it. We don't add a "financing fee" to inflate the cash price. We don't refer you to in-house lenders with predatory terms. We're a contractor, not a bank.