Flexible Financing for Home Comfort
Don't let cost stop you from getting the services you need. We offer multiple financing options with instant approval — so your home stays comfortable year-round.
Choose Your Plan
0% for 12 Months
Perfect for smaller projects
- No interest
- Fixed payments
- Easy approval
Low Monthly Payments
Spread costs over 60 months
- Flexible terms
- Competitive rates
- Same-day approval
Same-as-Cash
15-month term — $0 interest if paid in full by month 15
- $0 interest if paid on time
- Flexible monthly payments
- Optimus premium plan
Payment Calculator
Estimated monthly payments based on representative rates for excellent credit. Your actual rate, term, and minimum payment depends on your credit profile and Optimus Financing’s current loan programs. Apply to see the exact terms you qualify for — no impact on your credit to check.
How It Works
Apply in Minutes
Quick and easy online application. Most decisions made instantly.
Get Approved
Receive instant or next-business-day approval decisions.
Start Your Project
Schedule your service and get started with your approved financing.
What You Can Finance
From emergency repairs to full system upgrades, our financing covers all HVAC, plumbing, and electrical services.
HVAC Systems
New AC units, furnaces, heat pumps, and complete system replacements. Financing makes comfort upgrades affordable.
- AC & Furnace Replacement
- Heat Pump Installation
- Ductwork Design
- Indoor Air Quality Systems
Plumbing Projects
Water softeners, reverse osmosis, water heaters, and whole-home filtration systems.
- Water Softener Install
- Tankless Water Heater
- Whole-Home Filtration
- Repiping Projects
Electrical Upgrades
Panel upgrades, EV charger installations, and whole-home rewiring.
- 200A Panel Upgrade
- EV Charger Install
- Generator Installation
- Whole-Home Rewiring
Financing Questions
What credit score do I need?
We work with customers of all credit profiles. While higher credit scores may qualify for better rates, we have options available for those with fair or poor credit. Apply to see what you qualify for.
Is there a down payment required?
No down payment is required for most financing options. Some premium plans may require a small deposit, which will be discussed during the application process.
How quickly can I get approved?
Most applications are approved within minutes. Some applications may require additional review and can be approved by the next business day.
Can I pay off my loan early?
Yes! You can pay off your financing early without penalty. We encourage customers to pay early if they are able to save on interest.
What if I have bad credit?
We understand that life happens. We work with credit providers who specialize in helping customers with less-than-perfect credit. Apply to see your options.
Ready to Get Started?
Apply for financing in minutes and get approved today.