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Minimum credit score varies by program. Some promotional 0% APR offers through Service Finance Company, LLC require higher scores, while standard installment loans accept a wider credit range. Apply through Service Finance Company, LLC to see what you qualify for.
WHY FINANCE WITH US?
Get the Home Services Financing You Need
Hero Home Services offers flexible financing built around the needs of real Twin Cities homeowners. Whether a replacement caught you off guard or you have been planning a system upgrade, our financing options help make the work within reach.
No down payment
Get started immediately. No money out of pocket to begin your service.
Quick decisions
Fast credit checks get you approved and scheduled without the wait.
Trusted Lender Partner
We work with Service Finance Company, LLC, an established and reputable lending institution.
OUR FINANCING PARTNERS
Financing Through Service Finance Company, LLC
Hero Home Services works with a single trusted lender, so the process stays simple. Apply through Service Finance Company, LLC and get a credit decision in minutes.
Service Finance Company, LLC helps Minneapolis homeowners finance everything from a single AC repair to a full heating and cooling system replacement, with flexible terms and no down payment for qualified buyers.
How It Works:
- Select your loan amount
- Quick credit check, usually within minutes
- Finalize the loan with no down payment required for qualified buyers
- Funds are transferred directly to Hero, allowing your project to start without delay
What You Will Need to Apply:
- Estimated project cost from your Hero technician
- Government-issued ID
- Social Security Number
- Basic income and employment information
GET STARTED
Request Service and We Will Handle the Financing
Fill out the form, and a Hero Home Services team member will reach out to get your service scheduled. Tell us what you need, and we will walk you through your financing options so you can make the decision that fits your budget.
(612) 405-7366
No obligation: Free estimates on most major work.
- Flexible financing: Financing options available for qualified homeowners on repairs, replacements, and full system installs.
- Backed by our guarantee: Every visit includes the 100% Confidence Hero Guarantee: Exact Price, Fixed Right the First Time, Clean House, and Experts You Can Trust.
STILL HAVE QUESTIONS?
Frequently Asked Questions About Financing
What credit score do I need for financing?
Is there a down payment for AC replacement financing?
No down payment is required for qualified homeowners. Funds go directly from the lender to Hero Home Services, so the install can begin immediately. Some homeowners choose to put money down to lower their monthly payment.
Can I get 0% APR financing on a new AC?
Yes, for qualified buyers. Hero Home Services regularly offers promotional 0% APR AC financing on new installs through Service Finance Company, LLC. Promotional terms vary by season and equipment. Ask your Hero technician what is available on the day of your estimate.
How long does it take to get approved?
Most applications return a credit decision within minutes. Once approved, funds are released and we can schedule the work, often the same day or the next day during peak season.
Does financing affect the price of the work?
No. Hero Home Services uses flat-rate pricing whether you pay with cash, card, or heating and cooling financing. You see the price in writing before the work begins, and that price stays the same regardless of how you choose to pay.
Can I pay off my heating and cooling financing early?
Yes, in most cases. Service Finance Company, LLC allows early payoff without penalty on most loan programs. Confirm the terms of your specific loan agreement before signing.
What if I have bad credit?
Service Finance Company, LLC offers loan programs across a range of credit profiles. Even if you do not qualify for promotional 0% APR offers, standard installment loans may still be available. Apply to see what fits your situation.
Can I finance repairs as well as installs?
Yes. AC financing is available on repairs, tune-ups, and full system replacements. Many homeowners use heating and cooling financing on larger repair bills, so they can pay over time without dipping into savings.
Where is Hero Home Services located?
Hero Home Services has two Twin Cities offices: our headquarters at 10900 Hampshire Ave S, Suite 120, Bloomington, MN 55438, and a second office at 2963 Yorkton Blvd, Little Canada, MN 55117. We serve homeowners across Minneapolis, St. Paul, and the surrounding communities.
Does Hero Home Services offer financing?
Yes. Hero Home Services offers flexible financing through Service Finance Company, LLC for AC repair, AC replacement, furnace installs, heat pumps, indoor air quality systems, plumbing, electrical, drain, duct services, and full heating and cooling system replacements. Qualified buyers can take advantage of 0% APR options so the work can begin without delay.
