It’s easy as 1, 2, 3

Choose the plan that fits your home's monthly budget

Complete & submit the easy credit application

Once approved, enjoy your home's new total comfort

Instant Benefits Include:

Deferred Interest

Fixed-Term Option Plans

Operating Hours 7 Days a Week

No Prepayment Penalties

Easy/Hassle-Free Paperwork

Quick Decision Notification

Finally, comfort you can count on at a budget your household can afford. We are pleased to provide homeowners with financial assistance options that are guaranteed to meet individual demands. Whether you are thinking about a major system overhaul or you want to invest in an annual Essential Service or Essential Protection plan, you can do it with Essential Financing.


We understand that paying for new heating and/or cooling equipment, repairs or upgrades is often unplanned and usually occurs when you need the systems most. With Essential Financing, you could take advantage of instant benefits that won’t leave you in hot water or out in the cold.

Essential Financing offers homeowners the convenience and flexibility to request the amount required and the time period of repayment, in a matter of minutes.

It’s financing made simple: providing assistance for all your essential comfort needs, including:

Heating and Cooling Repairs

Air Cleaners, Humidifiers & Dehumidifiers

Furnaces, Air Conditioners and Heat Pumps

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