Furnace Replacement Financing | (860) 339-6001

Furnace replacement financing helps you replace an old or failing furnace without paying the full cost upfront. Instead of delaying a needed upgrade, you can spread the cost into fixed monthly payments through approved financing options. This makes it easier to move forward with a new, reliable heating system when your budget is tight.

Direct Home Services offers furnace replacement financing for homeowners in Middlefield, CT. The financing covers the cost of equipment and installation. We approve financing requests according to credit and loan terms. The process is simple: estimate, apply, approve, install!

Call (860) 339-6001.

Benefits of Choosing Financing for Furnace Replacement

Avoid paying the full furnace replacement cost upfront
Spread the total cost into fixed, monthly payments
Replace a failing furnace before it breaks down completely
Keep your home heated during cold Middlefield winters
Finance both the furnace and professional installation
Choose payment terms that fit your household budget
Move forward with the installation quickly after approval
Preserve cash for other home expenses

Call (860) 339-6001 or learn about financing online to get started.

Homeowner discussing furnace replacement financing with an HVAC technician

How Furnace Replacement Financing Works

Furnace replacement financing through Direct Home Services is offered through a third-party lender.

Credit and loans are provided by Regions Bank d/b/a EnerBank USA, Member FDIC, on approved credit and for a limited time. Financing is available with fixed APR rates ranging from 8.99% to 15.99%, subject to change. Minimum loan amounts apply.

Once your financing is approved, funds are disbursed, and interest begins accruing at that time. Repayment terms typically range from 12 to 144 months, depending on the approved loan amount and credit terms. If you use less than the full approved credit, the loan term may be shorter.

Your first monthly payment is due 30 days after funds are disbursed. Monthly payments vary based on the amount financed, ranging from approximately $11.37 to $90.73 per $1,000 borrowed, with a minimum monthly payment of $50.

After approval, furnace installation is scheduled promptly so your home stays comfortable without delay.

Call (860) 339-6001 or fill out the online financing form.

Apply for Furnace Replacement Financing in Just a Few Steps

To apply for financing:

Schedule an Estimate: Contact Direct Home Services to schedule a furnace evaluation. We assess your heating needs and provide a clear replacement estimate.
Apply for Financing: Complete a short financing application online or with our team. Applications are reviewed by the lender based on credit and loan terms.
Receive Approval: Financing decisions are typically provided quickly. Once approved, loan terms and monthly payments are clearly outlined.
Schedule Installation: After approval, we schedule your furnace installation at a time that works for you.
Begin Monthly Payments: Your first payment is due 30 days after funds are disbursed, with fixed monthly payments going forward.

Get Started With Furnace Replacement Financing Today

Keeping Middlefield homes warm with flexible financing plans.

GET FINANCING NOW

To better plan your heating budget long term, you can also review our guide on furnace maintenance cost in Connecticut to understand ongoing service expenses and avoid unexpected repair bills.

FAQs

Does financing affect furnace warranties or installation quality?

Financing does not affect furnace warranties or installation quality. The same equipment, manufacturer warranty, and professional installation apply whether you finance or pay upfront.

What credit score is needed to finance a furnace?

There is no single required credit score. Approval depends on your credit profile, loan amount, and lender terms.

What if I have bad or limited credit?

Financing options may still be available, but approval and terms depend on credit review. Call (860) 339-6001 to have your profile evaluated.

What is the best way to finance a new HVAC system?

The best option is typically fixed-rate financing with clear terms and predictable monthly payments. This helps avoid large upfront costs.

Does financing delay furnace installation?

No. Once financing is approved, installation is scheduled without delay.

Are interest rates fixed or variable?

Interest rates are fixed for the life of the loan, based on approved terms.

Is there a minimum monthly payment amount?

The minimum monthly payment is $50, depending on the loan amount.

Can I pay off my furnace financing early?

Early payoff terms depend on the loan agreement. You should review your financing documents for specific details.

S. Mulligan

Bill and his team were professional from the first phone call right through to the installation of my ac and heating system. I got two quotes and Direct Home Services was cheaper, but really the big difference was the responsiveness, timeliness, and all-around professionalism shown throughout the process. It was night and day compared to the other company I had been dealing with. Save yourself a headache and go with Direct Home Services. The project will get done quickly and at a good price.

B. Jakes

Wonderful experience from start to finish. These guys were very friendly and easy to deal with. I highly recommend this company to anyone that needs this type of service. Thanks guys!! Keep up the great work!

M. Farrell

Very professional from start to finish. Great communication good value and selection on all products offered. Would always recommend, installers were great. Top of the line service across the board.

L. Albert

I would highly recommend Direct Home Services! We recently had Central Air installed. Their service fully satisfied our expectations. They were prompt, friendly, knowledgeable, and clean! Their financing was also very quick and efficient. We’re so glad we found them!

E. Chavarry

Today Direct Home Service finished the work done; I am happy because the ductless machine (A/C and Heating) looks wonderful, and the installation work has been excellent. Also, Bill is a super friendly and sincere man; let yourself be guided without worry; he knows his job.

A. Moran

Direct Home Services was wonderful to work with. I called them on a Monday, they came out within 3 hours to look at my system. The technician was knowledgeable and gave me some great insight into what was wrong with my system (needed to replace the whole thing). I did some shopping around, but Direct Home Services really had the best price, and the best guarantee of the system, and financing.

R. Jackson

I’ve known the owner, Bill, for a long time. Bill, his business and his team, really take pride in understanding their customers. I recommend contacting Direct Home Services for all your heating and cooling needs.

C. Caldwell

Direct Home Service , Rives Jackson, Thank you on behalf of my wife & I for the good Quality of work you and your team perform we were thoroughly impressed with your professionalism in your knowledge and really sitting down and taking the time to explain to us . I will definitely recommend you guys to anyone that is looking for HVAC or mini ductless units.

E. Michaelis

You absolutely MUST use this business. Bill is a man of his word, an honest businessman, and has a phenomenal crew working with him! He will be upfront with you, and get you the best equipment for the best price! We are so fortunate to have selected this company! I’m sure you will be, too!

Furnace Replacement Financing: Options That Make a New Furnace Affordable