service financing company

We partner with Service Finance to offer our customers the very best options in personal financing for any heating, cooling, and home system improvements. Take advantage of our NO INTEREST and LOW PAYMENT programs that give you the flexibility and freedom to make the improvements you need, when you need them most. Get approved instantly with our quick, stress-free credit application process. You get peace of mind and we get to work!

No Interest Loan 


*This program provides qualified borrower(s) with Deferred or No Interest Loans.

  • 0% Interest for 12 Months
  • No Monthly Payments/Same as Cash
  • No Down Payment Required
  • No Pre-Payment Penalty



Low Monthly Payment 


*This program provides qualified borrowers with extended payment terms.

  • 9.99% Interest for 120 Months
  • Low Monthly Payments at 1.32% Factor
  • No Down Payment Required
  • No Pre-Payment Penalty

Click the LOAN CALCULATOR button to view the Service Finance loan calculator and get an idea of your payment options.

You can apply for financing right now!

Before starting the application, you will need the following information ready:

  1. Confirmation of the address where work will be completed
  2. Confirmation of your personal residence (if different from project location)
  3. Social Security number
  4. Date of Birth
  5. Your employment status and employer name
  6. Monthly/annual GROSS income from all sources
  7. Monthly mortgage total
  8. Driver's license (or State ID, Passport, Military ID, etc.)
    1. Identification number
    2. Issuing state
    3. Date issued
    4. Expiration date

Service Finance Company (SFC) was founded in 2004 and has been operating since that time by home improvement and banking professionals with more than 100 years combined experience. SFC is an approved FHA Title I Lender, a fully licensed sales finance company and third-party servicer authorized to conduct business in all 50 states.

Please don't hesitate to give our office a call at 651-777-7620 if you have any additional questions regarding our financing options and application process.

Need HVAC Service?

Contact the experts at Perfection Heating & Air Conditioning.

Call us at 651-777-7620!