Effective Date: 26 June 2026
B & W Heating & Cooling may make financing options available to qualified customers for eligible heating and cooling services, system replacements, new installations, and equipment upgrades. This Financing Disclosure explains how financing options may be presented, the role of third-party financing providers, and the responsibilities customers should understand before applying for or accepting any financing offer.
This page is intended to provide clear information only. Customers should review all financing documents, lender disclosures, and repayment terms carefully before entering into any financing agreement.
Financing Options May Be Available
Heating and cooling projects can represent a significant investment, especially when equipment fails unexpectedly or reaches the end of its useful life. A furnace replacement, air conditioning installation, heat pump upgrade, or complete HVAC system replacement may become necessary before a customer has planned for the full upfront cost.
B & W Heating & Cooling offers financing options for new system installations and equipment upgrades to help make these projects more manageable for qualified customers. Financing may allow homeowners to install reliable, energy-efficient equipment while spreading the cost over convenient monthly payments.
Financing options referenced by B & W Heating & Cooling may include fast credit decisions, manageable payment plans, and special financing terms, depending on customer eligibility and current program availability.
Financing may be helpful for customers who want to move forward with needed HVAC work without delaying important comfort, efficiency, or reliability improvements.
Third-Party Financing Providers
B & W Heating & Cooling does not directly provide loans, extend credit, or act as a lending institution.
Any financing options made available through B & W Heating & Cooling are provided by independent third-party financing providers. These providers are responsible for reviewing applications, determining eligibility, approving or declining financing requests, establishing financing terms, managing customer accounts, and collecting payments.
Because financing decisions are made by third-party providers, B & W Heating & Cooling cannot guarantee approval, change lender decisions, modify interest rates, adjust repayment terms, or influence underwriting requirements.
Any financing agreement accepted by a customer is a separate agreement between the customer and the financing provider.
Financing Approval Is Not Guaranteed
Submitting a financing application does not guarantee approval.
All applications are subject to review by the financing provider. Approval may depend on several factors determined by the lender, including credit history, income, employment information, debt obligations, payment history, requested financing amount, and other underwriting criteria.
Financing providers may approve, decline, or offer alternative terms based on their own policies and review process. B & W Heating & Cooling is not responsible for lender decisions and cannot override or appeal financing outcomes on behalf of customers.
Customers who are not approved for financing may still choose to proceed with HVAC services using another accepted payment method.
Financing Terms May Vary
Financing programs, promotional offers, interest rates, repayment periods, and monthly payment amounts may vary depending on the financing provider, customer qualifications, project cost, and current program availability.
Available financing options may include:
- Monthly payment plans
- Promotional financing offers
- Special financing terms
- Deferred interest programs
- Fixed repayment schedules
- Extended repayment options
- Other lender-approved payment structures
Specific terms will be disclosed directly by the financing provider during the application and approval process.
Customers should carefully review all financing documents before accepting any offer. This includes reviewing the annual percentage rate, repayment period, monthly payment amount, promotional period, fees, deferred interest conditions, late payment penalties, and any other applicable terms.
Eligible HVAC Products and Services
Subject to lender approval and program availability, financing may be available for qualifying HVAC services, installations, and equipment upgrades.
Eligible projects may include:
- Air conditioning installation
- Air conditioning replacement
- Furnace installation
- Furnace replacement
- Heat pump installation
- Heat pump replacement
- Complete HVAC system replacement
- Ductless system installation
- Indoor air quality equipment
- Thermostat upgrades
- Major HVAC repairs
- Energy-efficient equipment upgrades
- Residential HVAC projects
- Commercial HVAC projects, when applicable
Not all products, services, or project types may qualify for financing. Eligibility may depend on the financing provider, project scope, minimum purchase requirements, and available financing programs at the time of application.
Estimates and Financing Are Separate
A project estimate from B & W Heating & Cooling is separate from financing approval.
Receiving an estimate for HVAC repair, installation, replacement, or equipment upgrades does not guarantee financing approval. Likewise, financing approval does not change the project scope, equipment specifications, pricing, warranties, installation details, or service terms included in a written proposal.
Customers should review the HVAC estimate and financing agreement separately before authorizing work.
If equipment selections, project scope, or installation requirements change after financing approval, the financing amount or approval terms may also need to be reviewed or updated by the financing provider.
Customer Responsibility
Customers are responsible for reviewing and understanding all financing terms before accepting a financing offer.
Before signing or accepting any financing agreement, customers should understand:
- Total financed amount
- Monthly payment amount
- Interest rate
- Repayment schedule
- Promotional financing terms
- Deferred interest conditions
- Late payment fees
- Account servicing requirements
- Lender contact information
- Cancellation or refund policies, if applicable
- Any other terms included in the financing agreement
Questions about payments, billing, interest charges, account balances, financing statements, promotional periods, or account servicing should be directed to the financing provider.
B & W Heating & Cooling does not manage customer financing accounts and cannot change payment terms after the financing agreement has been established.
Promotional Financing Terms
Some financing programs may include promotional terms. Promotional financing can be useful, but customers should read the details carefully before accepting an offer.
Promotional programs may include special interest terms, reduced payment options, deferred interest periods, or other lender-specific offers. These programs may have conditions that must be met for the promotion to apply.
Customers should pay close attention to:
- Promotional expiration dates
- Required minimum payments
- Deferred interest rules
- Interest charged after the promotional period
- Fees or penalties
- Payment due dates
- Account status requirements
If a promotional balance is not paid according to the lender’s terms, interest or fees may apply. The financing provider is responsible for explaining all promotional terms and conditions.
Financing and Rebates
B & W Heating & Cooling may provide information about financing and rebate opportunities for eligible HVAC projects. Rebates, incentives, and efficiency programs may vary based on equipment type, installation requirements, utility provider rules, government programs, manufacturer promotions, and other eligibility criteria.
Financing approval does not guarantee rebate eligibility. Rebate availability does not guarantee financing approval.
Customers should review rebate requirements separately from financing terms and confirm current eligibility before relying on any rebate, tax credit, or incentive.
No Financial, Legal, or Tax Advice
Information provided by B & W Heating & Cooling regarding financing options is for general informational purposes only.
B & W Heating & Cooling does not provide financial advice, legal advice, tax advice, credit counseling, or lending services. Customers should consult qualified professionals if they have questions about how financing may affect their personal financial situation.
The decision to apply for financing, accept financing, or choose another payment method belongs solely to the customer.
Financing Program Changes
Financing programs are subject to change.
Third-party financing providers may update application requirements, approval criteria, interest rates, promotional offers, payment options, repayment periods, and account policies at any time. B & W Heating & Cooling does not guarantee that a specific financing program, rate, promotion, or payment option will remain available.
Customers should verify current financing terms directly through the financing provider at the time of application.
Limitation of Responsibility
B & W Heating & Cooling is not responsible for:
- Financing approval or denial decisions
- Credit determinations
- Interest rates
- Financing fees
- Monthly payment amounts
- Promotional financing requirements
- Lender policy changes
- Billing disputes
- Payment processing issues
- Account servicing matters
- Late fees or penalties
- Customer failure to comply with financing terms
All financing-related matters are governed by the agreement between the customer and the financing provider.
Contact B & W Heating & Cooling
Customers with questions about HVAC estimates, eligible services, equipment options, or financing availability may contact B & W Heating & Cooling.
B & W Heating & Cooling
Edwardsville, Illinois
Phone: (618) 254-0645
For questions about an existing financing account, payment schedule, billing statement, balance, interest charges, or account servicing, customers should contact their financing provider directly.