Affordable HVAC Solutions: Financing Your Comfort with Payseno

Investing in a new heating or cooling system for your home or business in Southwest Michigan is a significant decision. Whether it's an unexpected furnace repair, a necessary AC installation, or a desire to upgrade to a more energy-efficient system, the upfront cost can be a concern. At Payseno Heating & Cooling, we believe that everyone deserves reliable indoor comfort, which is why we've partnered with Hearth to offer flexible and affordable HVAC financing options. We're committed to making your essential heating and cooling solutions accessible, with low interest rates and a high approval rate that put comfort within reach for homeowners and businesses in Union City, Battle Creek, Coldwater, and the surrounding rural areas.

Flexible Monthly Payments That Fit Your Budget

Key Benefits of Hearth Financing

âś… Loan amounts up to $250,000

âś… Funding in 1–3 days

âś… No prepayment penalties

âś… Check rates without affecting your credit score

âś… No home equity required

Quick and Hassle-Free Financing Process

  1. Fill out a short form — see options in just minutes
  2. Review personalized payment plans — with no impact on your credit
  3. Choose the best plan — and get funded in as little as 1–3 days
  4. Start your project with confidence!
ac unit about to be installed

Payseno Heating & Cooling is proud to offer financing solutions through Hearth, a leading platform known for connecting homeowners with transparent, budget-friendly payment plans for home improvement projects. Hearth's network of lending partners allows us to provide you with some of the most competitive financing options available, including:


  • Low Interest Rates: Get approved for rates that make your monthly payments manageable, allowing you to invest in comfort without financial strain.
  • High Approval Rate: Hearth works with a wide range of credit profiles, increasing your chances of approval and ensuring more homeowners and businesses can access the financing they need.
  • Flexible Payment Terms: Choose from various loan terms that best fit your budget and financial goals, from short-term solutions to longer-term plans.
  • Quick & Simple Application Process: The application is entirely online, secure, and typically provides pre-qualification results within minutes, often with no impact on your credit score.
  • Transparent Terms: With Hearth, you'll always have a clear understanding of your loan terms, interest rates, and payment schedule, empowering you to make informed decisions.

This partnership allows us to offer solutions for various needs, whether you're looking for financing for a complete new furnace installation, a crucial AC unit replacement, or even larger light commercial HVAC installations. Our goal is to ensure you can achieve optimal indoor comfort without delay.

Apply for Financing NOW!

Deciding to finance your HVAC investment can provide numerous benefits, making essential home and business upgrades more feasible:


  • Immediate Comfort & Safety: Don't wait for unexpected breakdowns or prolonged discomfort. Financing allows you to address urgent HVAC repair or replacement needs immediately, ensuring your home stays warm in winter or cool in summer. This is especially vital for preventing potential issues like emergency HVAC repairs during peak seasons in Southwest Michigan.
  • Budget Management: Convert a large upfront expense into predictable, manageable monthly payments that fit comfortably within your budget. This preserves your savings and allows for better financial planning.
  • Access to High-Efficiency Systems: Financing enables you to afford higher-efficiency HVAC models that may have a greater upfront cost but offer significant long-term savings on your energy bills. These systems can pay for themselves over time through reduced utility expenses.
  • Improved Home Value: A new, efficient HVAC system is a valuable asset that enhances your home's appeal and market value, a key consideration for homeowners in Battle Creek, Coldwater, and Union City.
  • Flexible Options: From potentially 0% interest for 18 months for qualified applicants (ask us for details!) to longer-term plans, financing offers flexibility to match your financial situation.
  • No Compromise on Quality: Don't settle for a cheaper, less reliable system due to budget constraints. Financing allows you to choose the right equipment from top brands like Goodman, Daikin, and Comfort Air, ensuring lasting quality and our robust lifetime warranties on heat exchangers and condensers, along with 10-year parts and labor warranties.

Whether it's for a residential property or a light commercial HVAC installation, financing provides the flexibility needed to make smart, long-term comfort decisions without delay.

Apply for Financing NOW!

We've made the process of applying for HVAC financing as straightforward as possible through our partnership with Hearth. Here’s how easy it is:


  • Click the Link: Simply click the "Apply for Financing Today!" button on this page. You'll be directed to Payseno Heating & Cooling's dedicated Hearth application portal.
  • Provide Basic Information: Fill out a short, secure online form with some basic financial and personal details.
  • Get Prequalified Instantly: In most cases, you'll receive pre-qualification offers from multiple lending partners within minutes. This step usually involves a soft credit pull, which won't impact your credit score.
  • Review Your Options: Compare the loan offers, terms, and interest rates. Choose the plan that best suits your budget and needs.
  • Finalize & Fund: Once you select an offer, you'll proceed to the lender's site to complete the application. Funds are typically disbursed quickly, often within 1-2 business days, allowing us to proceed with your new furnace installation or AC unit service promptly.

It’s a hassle-free way to secure the funding for your comfort needs, backed by Hearth's commitment to transparency and ease of use for our customers in Union City, Battle Creek, and Coldwater.

Apply for Financing Today!

Frequently Asked Questions About HVAC Financing

Here are answers to some common questions about financing your heating and cooling project:

  • What kind of credit score do I need to qualify?

    Hearth works with a wide network of lenders, offering options for various credit scores. While excellent credit can unlock the best rates, there are often options available for a broad range of credit profiles. The pre-qualification process will give you an idea of what you qualify for without impacting your score.

  • How long does the application process take?

    The initial pre-qualification form usually takes just a few minutes to complete, and you often receive instant offers.


  • Can I use financing for any HVAC service?

    Financing is typically available for larger investments like new furnace installations, AC unit replacements, and significant HVAC repairs that meet a minimum cost threshold. Speak with Payseno Heating & Cooling directly for specific project eligibility.

  • What are the typical interest rates?

    Interest rates vary depending on the lender, your creditworthiness, and the loan term. Hearth provides transparent offers so you can see exact rates and terms upfront. Ask us about current potential 0% interest for 18 months offers!


  • Is there a prepayment penalty?

    Many financing options through Hearth allow for early repayment without penalty, giving you the flexibility to pay off your loan sooner if you choose.

  • How does financing impact my warranty?

    Financing your HVAC system does not impact the comprehensive warranties provided by Payseno Heating & Cooling, including our lifetime warranties on heat exchangers and condensers and our 10-year parts and labor warranty.