Who provides the financing — Hinrichsen or a bank?

A third-party lending partner, not us. You apply directly with the lender; they make the credit decision and set the rate and terms. We simply make sure the project price you're financing is fixed and in writing first.

Can I finance a repair, or only a new system?

Financing applies to qualifying equipment — replacements and new installations. For repairs, we quote the cost up front and accept major cards. If a repair is big enough that financing feels necessary, that's usually the moment to compare replacement math, and we'll lay out both options.

Do I need to decide about financing before getting an estimate?

No. The estimate comes first and it's free. Call (309) 965-2604 or use the contact form; once you have the written price, you can pay any way you like — financing is just one of the options.

Can rebates or tax credits reduce what I finance?

Often, yes. Qualifying high-efficiency and geothermal systems can be eligible for utility rebates and federal incentives, which lower the amount you need to borrow. See our rebates & incentives page and ask us to run the numbers for your specific system.

HVAC Financing

Name: Hinrichsen Heating & Air Conditioning, Inc.
Address: 225 N Eureka St, Goodfield, IL, 61742, US
Telephone: (309) 965-2604

Move forward with clear terms from trusted financing partners — options explained before you commit.

Invest in comfort

Financing that fits your budget.

Major HVAC work shouldn't mean guessing at your budget. We work with trusted financing partners so qualified homeowners can move forward with confidence.

Clear terms explained before you commit
Programs built for replacements & installs
Support through approval, start to finish
Major cards accepted for service & deposits

(309) 965-2604 Contact Us to Apply

Financing offers, rates, and approvals are determined solely by the issuing lender. Terms, fees, and eligibility are not controlled by us.

How does HVAC financing work at Hinrichsen?

Financing at Hinrichsen Heating & Air Conditioning, Inc. is a four-step process: a free written estimate, a short application with one of our third-party financing partners, a clear approval with the monthly payment in front of you, and then the installation. The lender — not us — sets rates and terms, and nothing is installed until you've approved both.

1. Free estimate first

We look at your home and your existing equipment, then put options and pricing in writing. You'll know the real number you're financing — not a guess.

2. A short application

If you want to finance, you apply directly with the financing partner. The decision, rate, and terms come from the lender, and most applications take minutes.

3. A clear yes or no

You see the monthly payment and full terms before you approve anything. No work starts until you've signed off on both the system and the payment plan.

4. We install

Most replacements are completed in a day. Your warranty paperwork, registration, and financing documents are all handled before we leave.

What can I finance?

Financing applies to qualifying equipment — the big-ticket replacements and new installations where a monthly payment matters most. Every system we install is one we also service, across Greater Peoria and surrounding Central Illinois towns.

Air conditionersCentral AC replacement & new installs
Furnaces & boilersGas furnaces and hot-water boiler systems
Heat pumps & ductlessIncluding cold-climate mini-splits
Geothermal systemsWaterFurnace — our specialty since 1987
Indoor air qualityFiltration, humidity control, ventilation
Smart thermostatsAs part of a qualifying system project

When does financing make sense — and when doesn't it?

Financing makes the most sense when a full replacement is the right call: your furnace or AC is near the end of its life, repair costs are stacking up, or you're upgrading to a much more efficient system (like a heat pump or geothermal) whose energy savings offset part of the payment.

It's usually the wrong tool for a small repair — and we'll tell you so. The classic mistake we see is financing a major repair on a 15-year-old system twice, then replacing it anyway. Before you sign anything, we put the repair-versus- replace math side by side so you can decide once, with real numbers.

Also ask us about rebates and incentives before financing the full amount — qualifying high-efficiency and geothermal systems can be eligible for utility rebates and federal incentives that lower what you need to borrow in the first place.

What will I know before I sign?

Everything, in writing: the equipment and model being installed, the total project price, the monthly payment and full lender terms, and the warranty coverage — parts, labor, and compressor — reviewed line by line before you approve the proposal.

Family-owned in Goodfield, IL since 1987
Daikin Comfort Pro dealer — registered Daikin systems carry a 12-year parts limited warranty
1,000+ geothermal systems installed since 1987 — 10-year parts and labor coverage
4.8★ across our public Google reviews

(309) 965-2604 Request a Free Estimate

Financing is provided by third-party lenders, subject to credit approval. Rates, terms, fees, and eligibility are determined solely by the issuing lender and may change. Hinrichsen Heating & Air Conditioning, Inc. does not set or control lending terms. See our Terms for details.

Questions homeowners ask

HVAC financing — answered straight.