Financing Solutions for Your Heating and Cooling Needs
At Schar Heating & Cooling, we understand that investing in your home’s comfort or addressing unexpected repairs can be a significant financial decision. That’s why we’ve partnered with leading finance providers to offer flexible financing options tailored to your needs. Whether you’re installing a new system or need service repairs, our financing solutions are designed to help you manage the costs with ease and confidence. Regular maintenance will help to maximize the life expectancy of your system and prevent unexpected breakdowns.

Flexible Investments Made Simple
Discover the payment plan that works best for you. We partner with four trusted lenders—each offering quick approvals, transparent terms, and low monthly payments—so you can upgrade your home comfort today and pay over time. Browse the options below, compare the details, and apply in just a few minutes.
We have partnered with GoodLeap to offer flexible payment options for your project. GoodLeap uses a soft credit check until funding and the highest score from all 3 bureaus to see if you qualify. It also takes just a few minutes to get started.
Need a new system but traditional financing isn’t a fit? Microf’s lease-to-own option lets you replace your furnace, AC, or full HVAC system now and pay over time—without tying up your credit cards. The application takes just minutes, decisions are near-instant, and you keep the flexibility to buy out early whenever you’re ready
When unexpected repairs arise, stress about the costs shouldn’t be added to your plate. That’s where Service Finance Company, LLC, steps in. We’ve partnered with Service Finance Company, LLC, to offer you flexible financing options for your service repairs, ensuring your home remains comfortable and functional without straining your budget.
Wells Fargo Bank, N.A., offers several special options for financing your new product or service with approved credit. That way, you can invest in your home’s comfort or respond to an unexpected heating and cooling need without breaking your budget.