Flexible Financing for Your HVAC Needs | Gilley's Heating & Air Conditioning
Make home comfort affordable with flexible financing options from Gilley's. We've partnered with Wells Fargo Bank, N.A. to offer special financing that lets you buy today and pay over time with approved credit.
Year-Round Comfort on Your Terms
At Gilley's, we know getting replacements and upgrades in your home shouldn't break the bank. That's why we've teamed up with Wells Fargo Bank, N.A. to offer special financing options¹ that make it easier to invest in your home's comfort, on your terms.
Whether you're replacing your furnace, upgrading your AC, or tackling a full HVAC system install, you can buy now and pay over time with approved credit. Don't let upfront costs prevent you from staying comfortable during Rockford's harsh winters and hot, humid summers.
¹ Subject to credit approval.
Wells Fargo
BUY Today , Pay Over Time
Your approved Wells Fargo credit card brings you exclusive benefits that make home comfort affordable:
Revolving Line of Credit: Use your credit line over and over again for all your home comfort needs. Once approved, you have ongoing access to financing for furnace repairs, AC installations, heat pump upgrades, emergency service, and any other HVAC projects. Your credit line stays available for future home improvement needs.
Special Financing Where Available: Take advantage of promotional financing offers including deferred interest plans, extended payment terms, and special rates on qualifying purchases. Current promotions may include 12 months same-as-cash, 24-month financing, or extended 60-month terms for larger projects. Ask our team about available offers when you schedule your free estimate.
Convenient Monthly Payments: Choose payment terms that fit your household budget. Spread the cost of your HVAC investment over months or years, making high-efficiency furnaces, central air systems, and complete replacements affordable without the stress of one large payment. Enjoy comfort now while paying at a pace that works for you.
Easy-to-Use Online Account Management: Manage your Wells Fargo account and make bill payments online 24/7 through their secure website or mobile app. Set up automatic payments to never miss a due date, view monthly statements, track your balance, and access your payment history from anywhere. Online tools make staying on top of your account simple and convenient.
Credit card issued with approved credit by Wells Fargo Bank, N.A. Ask for details about current promotional offers, interest rates, and financing terms.
Why Choose Financing for Your HVAC Investment?
Immediate Comfort: Don't suffer through another harsh Rockford winter without reliable heat or swelter through humid summers without AC. Financing lets you install the system you need right now instead of waiting months or years to save up.
Afford Higher Efficiency: High-efficiency HVAC systems cost more upfront but save $300-$600 annually on energy bills. Financing makes these premium systems accessible, letting you enjoy immediate energy savings that help offset your monthly payment.
Prevent Costly Damage: A failed furnace in sub-zero temperatures can cause frozen pipes and thousands in water damage. A broken AC during heat waves creates health risks for vulnerable family members. Emergency financing prevents you from making desperate, expensive decisions under pressure.
Preserve Your Savings: Keep your emergency fund intact for unexpected medical bills, car repairs, or job loss. Financing your HVAC investment with affordable monthly payments preserves your financial flexibility and peace of mind.
Combine with Rebates: High-efficiency systems qualify for federal tax credits up to $2,000, utility rebates of $200-$600, and manufacturer promotions of $300-$800. These incentives reduce your financed amount, lowering both your total cost and monthly payments.
Budget-Friendly Payments: Instead of one $6,000 payment for a new furnace, spread it over 12-60 months at $100-$500 per month depending on terms. Monthly payments fit household budgets better than large lump sums.
Financing Example Scenarios
Example 1: Emergency Furnace Replacement Scenario: Your 18-year-old furnace fails in January when temperatures drop to -5°F. You need immediate replacement but don't have $5,500 in savings.
Solution: Finance a new high-efficiency furnace with 12-month promotional financing. Your monthly payment of approximately $458 restores heat immediately while you pay over time. The new 96% AFUE furnace saves $40-50 monthly on heating bills, offsetting your payment.
Example 2: AC Installation for First-Time Buyers Scenario: You bought an older Rockford home without central air. Summer humidity and 90°F temperatures make your home uncomfortable, but you just spent your savings on the down payment.
Solution: Finance a 16 SEER central air system ($5,800) with 24-month financing at approximately $242 per month. Enjoy whole-home cooling this summer while spreading the investment over two years. Energy rebates reduce your financed amount to $5,200.
Example 3: Complete HVAC System Upgrade Scenario: Both your 15-year-old furnace and 14-year-old AC are failing. You want to replace both with high-efficiency equipment but face a $12,000 total cost.
Solution: Finance a complete dual-fuel hybrid system (heat pump + gas furnace) with 60-month extended terms at approximately $200 per month. The system's high efficiency saves $50-70 monthly on utilities, making your net monthly cost just $130-150 while enjoying superior comfort.
What Can You Finance?
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HVAC System Replacements
Finance complete furnace replacements ($3,800-$7,500), new air conditioner installations ($4,500-$8,500), heat pump systems ($5,500-$10,000), or dual-fuel hybrid systems ($8,000-$12,000). High-efficiency upgrades qualify for energy rebates that reduce your overall cost.
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Emergency Repairs
When your furnace fails in January or your AC quits during July heat waves, emergency repairs can't wait. Finance urgent repairs including compressor replacements ($1,200-$2,500), blower motor service ($400-$650), or refrigerant leak repairs ($400-$1,200) to restore comfort immediately.
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Preventive Maintenance
Invest in annual maintenance plans and Comfort Club memberships that protect your HVAC investment, prevent costly breakdowns, and keep your systems running efficiently. Regular maintenance extends equipment life and qualifies you for priority service.
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System Upgrades
Finance energy-efficient upgrades including programmable thermostats, smart home integration, air quality improvements, whole-home humidifiers, UV air purifiers, and ductwork modifications that enhance comfort and reduce utility bills.
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Plumbing Projects
Use your credit line for water heater replacements, fixture installations, bathroom remodels, sump pump installations, whole-house repiping, and other plumbing upgrades that improve your home's functionality and value.
How to Apply for Financing
Getting approved for HVAC financing is quick and easy:
Step 1: Schedule Your Free Estimate Call (815) 962-1927 or schedule online to arrange your free in-home assessment. Our licensed technicians will evaluate your HVAC needs, provide multiple system options, and give you a detailed written estimate with clear pricing.
Step 2: Let Us Know You're Interested in Financing During your estimate appointment, tell us you'd like to explore financing options. We'll walk you through the simple Wells Fargo application process and help you understand available terms, promotional offers, and monthly payment estimates.
Step 3: Complete the Quick Application Fill out the straightforward credit application online or with our help during your appointment. The application takes just a few minutes and asks for basic information including name, address, Social Security number, income, and housing costs.
Step 4: Receive Your Decision Most applications receive a credit decision within minutes. Once approved, you'll know your credit limit and can proceed with your HVAC installation or repair immediately. Your Wells Fargo credit card will arrive by mail, but we can often begin work right away with your approval.
Step 5: Enjoy Your Comfort We'll schedule your installation or repair at your convenience. Your financing covers the full cost, and you'll make convenient monthly payments according to the terms you selected. It's that simple.
Frequently Asked Questions About HVAC Financing
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Wells Fargo evaluates multiple factors including credit score, income, debt-to-income ratio, and payment history. While specific requirements aren't published, generally a credit score of 640+ improves approval chances for standard terms. Even with lower credit scores, you may qualify for financing with adjusted terms. The only way to know is to apply—applications don't commit you to accepting the credit.
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Credit limits vary based on your creditworthiness and financial profile. Approved credit lines typically range from $1,000 to $25,000 or more, sufficient to cover most residential HVAC projects from single repairs to complete system replacements and major upgrades.
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Interest rates and promotional terms vary based on creditworthiness and current offers. We regularly have promotional financing available including deferred interest periods (12-24 months same-as-cash), reduced rates on extended terms, and special offers for qualifying purchases. Ask about current promotions during your free estimate.
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Yes, applying for credit results in a hard inquiry on your credit report, which may temporarily lower your score by a few points. However, this impact is typically minor and short-term. If you're approved and use credit responsibly by making on-time payments, the account can actually improve your credit over time.
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Absolutely. There are no prepayment penalties. You can pay off your balance any time without additional fees. Paying early or making extra payments reduces total interest paid and frees up your credit line for future needs.
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If you're not approved for Wells Fargo financing, we can discuss alternative options including other financing programs, payment plans directly through Gilley's for certain services, or recommendations for saving toward your HVAC investment while making temporary repairs to extend your current system's life.
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The application typically takes 5-10 minutes to complete and most applicants receive a credit decision within minutes. In some cases, applications require additional review, which may take 1-2 business days.
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Your first payment is typically due 25-30 days after your purchase posts to your account. You'll receive a billing statement with your payment amount and due date. With promotional financing, you may have a deferred interest period before payments begin.