residential hvac financing | St. Louis HVAC financing

Financing for the HVAC Services You Need Now

We offer financing for our customers, making it simple and easy for you to bring comfort to your home.

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We Make Efficiency and Comfort Easy To Pay For

A new heating or cooling system represents a great investment in your home, but can also require some financial juggling especially if the need was unexpected. That’s why SmartHouse has established relationships with several quality programs to offer financing that is easily to apply for and fairly priced. Buy today and pay over time with our financing options including:

  • No interest and no payments for 12 months
  • 6.99% interest for 10 years
  • 5 years at 0% interest on select systems
  • More options available

Whether you need a new heating or cooling system, a repair to an existing system, or you are looking to enhance your home’s performance by upgrading your indoor air quality (IAQ) equipment, SmartHouse has financing options to fit your needs and your budget.


OPTIMUS uses Soft Pull technology to quickly help a customer get to the right lending or leasing products. This will virtually eliminate the need for multiple applications and multiple credit pulls for customers, all while delivering 90% approval rates for customers. All in just seconds. OPTIMUS eliminates the “NO” and gets you to a “YES” quickly and seamlessly. The process is simple:

  • Customer fills out key information
  • Soft Pull technology determines best chance of approval
  • Customer completes OPTIMUS recommended application

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SmartHouse is Your Source for Financing From Spire Gas

Spire offers attractive financing for high efficiency HVAC systems. The application is just one page and credit approval is likely if you have been on-time with your Spire Gas payments for 12 months.

  • High-efficiency gas equipment – Up to $15,000* per system; 4 max per customer
  • Insulation – Up to $5,000*; 4 max per customer

Call SmartHouse at 314-644-1570 or contact us and we will be happy to provide additional information, answer questions and take your application.

Customer Rebates

The Spire Gas Residential High Efficiency Rebate Program provides rebates to residential owners and customers of Spire Gas Company for the installation of high efficiency heating systems, programmable thermostats and natural gas water heaters.

The Ameren Missouri Heating and Cooling Program provides rebates to residential owners and customers of Ameren Missouri for the installation of high efficiency air conditioner systems and programmable thermostats.

Offer applies only to qualifying purchases. Valid only through a participating contractor. Visit for program details.

Please call us at 314-644-1570 or contact us to find out which financing options are available to you, or to learn about special financing promotions.

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