Financing a New System in Kansas City
Financing is available on installs. What it will never include is a monthly payment we made up on the phone. Here is the real price of the work, how the money conversation actually goes, and how to get a written number for free.
Why We Will Not Quote You a Payment Over the Phone
We are a licensed mechanical and plumbing contractor. We are not a lender. The rate, the term and the approval are not ours to decide, so any monthly number we gave you on the phone would be a guess dressed up as a quote. Plenty of companies will give you that guess anyway, because a small monthly figure sells faster than a real price.
Here is how we do it instead. You get the cash price of the job in writing, the financing options in writing next to it, and then we leave. No same-day-only pricing, no manager phone call, no commission games.
A low payment on an inflated price is still an inflated price. Check the price first.
What the Work Actually Costs
Starting prices for a standard install, parts and labor included. Size, efficiency and what your house needs move the number. You get the exact one in writing before anything is ordered.
| Install | Starts at |
|---|---|
| Gas furnace | $4,000 high-efficiency $5,500 |
| Air conditioner | $5,800 |
| Furnace and AC together | $9,000 high-efficiency $10,500 |
| Heat pump | $9,500 |
| Mini-split, single zone | $4,000 |
| Water heater, 40 or 50 gallon gas | $1,800 electric $1,700 |
| Water heater, 50 gallon power vent or 75 gallon gas | $3,000 |
| Hybrid heat pump water heater, 50 gallon | $3,800 |
| Tankless, like-for-like replacement | $4,500 |
Full lineup and warranties on the equipment page. Water heater details are on the water heater page.
Three Things to Look At Before You Finance Anything
A repair might be the better buy
- Our repair prices are published, so you can look yours up instead of guessing.
- Flame sensor $150 to clean, $200 to replace. Igniter $250. Draft inducer from $600. Blower motor $775. Gas valve $700.
- If a $250 part buys a few more years on a furnace that has otherwise been fine, that beats a payment book.
- We quote the repair and the replacement, then let you decide. Repair or replace →
Money that does not need an application
- Veterans and first responders: 10% off, up to $100. No stacking with other offers.
- Utility rebates: Evergy runs programs on qualifying equipment. We tell you what yours qualifies for and hand you the paperwork. We do not bake a rebate into the price to make the number look smaller.
- Federal tax credits are gone. 25C and 25D ended December 31, 2025. If someone is still quoting you one on a 2026 install, ask them to put it in writing.
How to Get a Real Number
Book the free in-home quote
Call or text and we will set a window that suits you. The in-home quote on a new system costs nothing and you are not on the hook for anything after it.
We measure and size it
We look at the space, the ductwork and the hookups, and size the system to your house. Nobody can do that over the phone, and we will not pretend otherwise.
You get options in writing
Usually a good, better and best. Real installed numbers with the warranty spelled out, and the financing options sitting right next to the cash price.
Then we leave
Take the time you need. Compare us to the other quotes. The price is the same tomorrow as it is today.
Get the Written Number First. Decide After.
Free in-home quote, flat written price, and the financing options laid out next to it. Installed by our own licensed crew, never subcontracted, and photographed start to finish so you can see exactly what you paid for.
Frequently Asked
Do you offer financing on HVAC installs?
Yes. Financing is available on installs, and we go through the options with you during the free in-home quote. We are the mechanical and plumbing contractor, not the lender, so the approval and the terms are not ours to decide. What we control is the price of the work, and that is published.
What is the interest rate, and do you offer 0%?
We do not quote rates, terms or monthly payments over the phone or on this page. Those depend on your application, and a number we cannot guarantee is not worth giving you. You see the actual options in writing at the quote, next to the cash price, and then we leave so you can think about it.
Can I finance a water heater?
Financing is available on installs, water heaters included. Worth knowing first: a standard 40 or 50 gallon gas replacement is $1,800 flat with parts, labor and haul-away of the old unit included. For a lot of people that is small enough that the paperwork is not worth it.
Do I need good credit?
We do not make that decision and we do not see it coming. The part we can promise is that nothing about getting a quote depends on it. The in-home quote is free, you get a flat written number either way, and there is no obligation attached to it.
Is there a deposit or a fee to get a quote?
No fee for an in-home install quote, ever. Booking a service call online takes a $100 deposit, and that goes toward the job. For a new system we come out, measure, size it and hand you a written number for free.
Can I just pay for it outright instead?
Yes, and plenty of people do. The written quote shows the price either way. We would rather you pick whichever one you can live with than talk you into a payment.
Are there still federal tax credits on a new system in 2026?
No. The federal 25C and 25D energy credits ended December 31, 2025. If anyone is still quoting you a federal tax credit on a 2026 install, ask them to put it in writing. Utility rebates through Evergy are a different thing and still exist on qualifying equipment, so we tell you what yours qualifies for and hand you the paperwork.