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Low-cost HVAC financing options in Springfield, MO, to make system replacement more affordable.
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At SS&B Heating & Cooling, we offer flexible HVAC financing options for homeowners in Springfield, Missouri, and the surrounding Ozarks. Financing is available for both new system installations and major HVAC repairs, helping you restore comfort without delaying needed work.
With competitive financing terms—including promotional no-interest options if paid in full and low fixed APR payment plans—we make it easier to manage HVAC costs on your schedule. Fast credit decisions and predictable monthly payments help reduce stress when replacing aging equipment or addressing unexpected breakdowns.
Serving the Springfield area since 1969, SS&B Heating & Cooling has built a long-standing reputation for dependable service and honest recommendations. Whether your air conditioner fails during a hot Missouri summer or your furnace needs repairs in winter, financing can help you move forward with confidence.
In many cases, financing an HVAC upgrade can be a smart long-term choice. Replacing older air conditioners or furnaces with a properly matched, high-efficiency system often improves comfort, reduces future repair needs, and can lower monthly energy bills. Financing allows you to make that investment while keeping monthly expenses manageable.
Why Our Financing Stands Out:
- Lower APR: Our 3.90% APR is lower than many competitors, whose rates often range between 5% and 15%.
- No Prepayment Penalties: Unlike some providers, you can pay off your balance early without fees.
- Longer No-Interest Period: Our 36-month no-interest option provides flexibility, while other companies may only offer shorter periods.
Save Even More with Utility Rebates & Federal Tax Credits:
In addition to our great financing options and potential utility rebates, you may qualify for a federal tax credit when selecting certain high-efficiency HVAC systems. These credits apply to specific models that meet strict energy-efficiency requirements. While these systems can be more expensive upfront, they provide long-term savings through reduced energy costs and tax benefits. Your Comfort Consultant can guide you through both rebate and tax credit options to help you maximize savings.
Financing Offers Available:
No Interest if Paid in Full within 36 Months**
No interest is charged if the balance is paid in full during the promotional period.
Eligible Install Dates: 01/01/2026 - 12/31/2026.
**The Wells Fargo Home Projects credit card is issued by Wells Fargo Bank, N.A. an Equal Housing Lender. Special terms apply to qualifying purchases of $480 or more charged with approved credit. Minimum monthly payments are required during the promotional (special terms) period. Interest will be charged to your account from the purchase date at the APR for Purchases if the purchase balance is not paid in full within the promotional (special terms) period. Paying only the minimum monthly payment will not pay off the purchase balance before the end of the promotional period. For new accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is accurate as of 01/01/2026 and is subject to change. For current information, call us at 1-800-431-5921.
3.90% APR with 64 Equal Payments***
Spread your payments over time at a reduced rate with no hidden fees.
Eligible Purchase/Sales Dates: 01/01/2026 - 12/31/2026.
***The Wells Fargo Home Projects credit card is issued by Wells Fargo Bank, N.A. an Equal Housing Lender. Special terms apply to qualifying purchases charged with approved credit. The special terms APR will continue to apply until all qualifying purchases are paid in full. Monthly payments of at least 2% of the purchase balance are required during the promotional (special terms) period. The APR for Purchases will apply to certain fees such as a late payment fee or if you use the card for other transactions. For new accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is accurate as of 01/01/2026 and is subject to change. For current information, call us at 1-800-431-5921.
Upgrade your HVAC today with better financing and potential utility rebates.
Subject to credit approval
Call us to learn more about our low-cost HVAC financing options! 417-866-0990, Fill out our online contact form to get started with affordable HVAC financing.
Frequently Asked Questions
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