A new AC system or furnace replacement is a significant investment. For most OKC homeowners, it is not something they planned for the month it fails. Smith Brothers has partnered with reputable lenders to make replacing your system accessible — monthly payments that fit real family budgets, with fast approval so you are not waiting in the heat.
The math often favors replacing an aging system on financing over continuing to repair it — even accounting for interest.
For many OKC homeowners, the energy savings from a new high-efficiency system offset a meaningful portion of the monthly financing payment — making the true net cost lower than it appears.
Break your new AC, furnace, or heat pump into manageable monthly payments. Terms available from 12 to 84 months depending on qualification. Interest-free promotional periods available for qualifying systems and customers — ask at the estimate appointment what promotions are currently active.
Most financing decisions return within minutes — not days. You know your monthly payment before you leave the estimate appointment. We do not begin any installation work until you have reviewed and approved the complete financing terms in writing.
Smith Brothers has negotiated competitive rates with our lending partners specifically for HVAC financing in the OKC market. Rates are generally lower than home equity lines for equipment purchases, because the loan is secured by the equipment installation itself.
Financing is available for all major HVAC system replacements and installations. We discuss financing options at every estimate appointment so you can make a fully informed decision before committing.
Financing is available on repair work above $1,000 in select cases. Ask our technician at the time of diagnosis.
Qualifying heat pump installations may be eligible for up to $2,000 in federal tax credits under the Inflation Reduction Act (Section 25C).
This credit is applied at tax filing for the year of installation. Smith Brothers identifies qualifying systems at the estimate appointment so you can factor the credit into your financing decision.
The federal tax credit does not reduce the financed amount directly — it is claimed on your federal return. Consult your tax advisor for eligibility specifics.
Active duty military, veterans, and their families receive 10% off all HVAC services — including installation jobs financed through our lending partners. No expiration, no cap.
Customers 65 and older receive 10% off all HVAC services. Applies to financed installations. No paperwork required — simply mention your age when calling.
Our $89 Summer-Ready AC tune-up and $89 Fall Furnace Safety Check are available year-round. See current seasonal promotions at /offers/.
Military and senior discounts apply to the installation price before financing is calculated. Ask our team about current stacking rules when requesting your estimate.
Financing is discussed at the estimate appointment. Once you have reviewed the installation quote and chosen a system, our team walks you through the financing application on-site. The application is completed digitally and most decisions return within minutes. You do not need to apply in advance — the conversation happens during your free estimate visit. Call 405-524-1366 to schedule your estimate.
Our lending partners work with a range of credit profiles. We do not publish a minimum score because lending decisions depend on the full application — not just the score. We encourage all OKC homeowners who need financing to apply, regardless of credit history concerns. If the primary application does not qualify, we discuss alternative term structures and co-applicant options to find a path forward.
Financing is primarily designed for full system replacements and installations. For repairs above $1,000, financing options may be available on a case-by-case basis — ask our technician at the time of diagnosis. For smaller repairs, our standard upfront pricing applies and payment is due on completion.
The federal Section 25C heat pump tax credit (up to $2,000) is applied when you file your federal tax return for the year the system was installed. It does not reduce your financed loan balance directly. However, you can use the credit at filing time to make a principal payment on the loan if you choose. Smith Brothers identifies qualifying systems at the estimate appointment so you understand the full financial picture before deciding.
Call Smith Brothers for a free estimate and we will walk you through your financing options, applicable discounts, and available tax credits — all before any commitment.
