Get Your HVAC System Replaced Now — Pay Over Time
Don't wait for summer heat or winter cold to return. Replace failing equipment immediately with flexible financing. Fast approvals. No large upfront expense.
& Insured
Tulsa Area
Approvals
Years Experience
Comfort Today. Affordable Payments. No Surprises.
Stay Comfortable Today
Replace failing equipment immediately. Don't wait another season. Get the system you need now and enjoy reliable comfort while paying affordable monthly installments.
Affordable Monthly Payments
Preserve your savings for emergencies. Instead of draining your bank account, spread the investment over time with flexible payment plans designed for your budget.
Upgrade to Efficiency
Get a new high-efficiency system that lowers your energy bills. Finance the difference and often save money on monthly utilities—turning your investment into immediate savings.
Common Project Financing Examples
See what monthly payments look like for typical HVAC projects
Repair Financing
Compressor replacement, major repair, or maintenance upgrade
Typical Project Cost
$5,000
Starting around
$150/month
*36-month term. Rates vary by credit.
System Replacement
New AC/heating unit, professional installation, warranty included
Typical Project Cost
$10,000
Starting around
$300/month
*36-month term. Rates vary by credit.
Premium Upgrade
High-efficiency system with advanced controls and extended warranty
Typical Project Cost
$15,000
Starting around
$450/month
*36-month term. Rates vary by credit.
Disclaimer: Monthly payment estimates shown are for illustrative purposes based on example system costs and standard 36-month financing terms. Actual monthly payments will depend on the approved loan amount, selected term length (24-84 months available), your credit profile, and applicable interest rates from First Bank. Rates are typically between 6-18% APR depending on creditworthiness.
Trusted by Tulsa homeowners for HVAC repairs, replacements, and upgrades.
Ready to Get Comfortable Again?
Apply in minutes. Get approved, often instantly. Your comfort shouldn't wait.
Apply for HVAC Financing
Complete your secure application directly through Gateway First Bank.
Apply Through Gateway First BankHave questions before applying? Call Climacare at (918) 504-4133.
Financing FAQ
Your questions answered
How quickly can I get approved?+
Most applicants receive an approval decision within minutes. Many decisions are instant, allowing you to move forward with your HVAC installation the same day.
Will this affect my credit score?+
No. We only check your eligibility with a soft inquiry, which does not affect your credit score. A hard inquiry only happens if you decide to move forward with an application.
Can I pay off my loan early?+
Yes. First Bank financing includes no prepayment penalties. You can pay off your loan early and save on interest without any fees or charges.
What if I have less-than-perfect credit?+
First Bank works with a wide range of credit profiles. Even if you've had credit challenges, you may still qualify. Apply and let us find the right solution for you.
What services qualify for financing?+
Financing is available for system installations, replacements, repairs on major equipment, and maintenance plans. Contact us to discuss your specific situation.
Don't Let Equipment Failure Control Your Comfort
Get your new system today. Flexible financing. Fast approval. Local, trusted service. Your comfort is worth it.
Available Monday–Friday, 8am–5pm CST | Financing subject to credit approval