Financing
A new furnace or AC is one of the biggest bills a house sends you. Most of our customers pay monthly. We offer three paths, and checking any of them leaves your credit score alone.
About your credit: Optimus and Enhancify check your options with a soft pull, which doesn't affect your score; Snap doesn't run a traditional credit check at all. A hard inquiry only happens if you accept a lender's offer and open an account.
How it works
We price the job first, so you finance a real number instead of a guess.
Apply online in minutes. Whichever path you pick, checking leaves your credit score alone.
We walk through the lender's offer line by line before you sign. If a deal looks bad for you, we'll say so.
Your three paths
Every option is subject to credit approval by the lender. We'll help you compare before you commit to anything.
Most homeowners start here
One application, several lenders
Optimus starts with a soft pull, then matches you to a lender based on your credit. GreenSky and FTL make loans; Microf offers a lease-to-own plan. Qualified buyers may be eligible for promotional offers such as 15 months no interest with low minimum payments, or 12 months same-as-cash.
Best fit: full system replacements, and fair-to-excellent credit chasing the strongest promotional terms.
Check your options with OptimusA second lender network
Same easy start: a soft pull shows you loan offers without touching your score. Enhancify charges no per-deal dealer fees, so nothing extra lands in your quote for using it. Offers are subject to credit approval by the lender.
Best fit: comparing. Check Optimus and Enhancify both, then take the better terms.
Check your options with EnhancifyLease-to-own payment plan (not a loan)
Qualified buyers may be eligible for a 100-day interest-free option: pay the balance in full within 100 days and you pay no interest. Carry it longer and lease-to-own costs apply, which run well above what a loan would cost. We'll show you both numbers before you sign.
Snap also has options for customers without a Social Security number. Ask us and we'll walk you through Snap's current requirements.
Best fit: smaller repairs and installs, or when the loan paths say no.
Apply with Snap FinanceAll financing is subject to credit approval by the lender. Rates, terms, and promotional offers are set by the lenders, not by Lucas Heating and Air, and may change without notice. Ask us for current offers when you get your estimate.
Worth knowing
A loan charges interest on a schedule you can read up front. Lease-to-own works differently: the company buys the equipment, you make payments until you own it, and the total over the full term runs well above the cash price. The 100-day payoff is how you use Snap without paying that premium. Whichever path you take, we'll show you the total cost before you sign.
Financing questions
No. Optimus and Enhancify start with a soft credit pull, which doesn't affect your score, and Snap doesn't run a traditional credit check at all. A hard inquiry only happens if you accept a lender's offer and open an account, and the lender tells you before that point.
It depends on the path. GreenSky and FTL (reached through Optimus) and Enhancify's lenders make loans. Microf (through Optimus) and Snap Finance are lease-to-own payment plans, not loans. We'll always tell you which one is on the table before you sign anything.
Yes, if you meet the terms. Most promotional offers are deferred interest: pay the balance in full inside the promotional period and you pay zero interest. Carry a balance past that date and the lender may charge interest under its terms. We'll put the payoff date on paper for you.
You still have paths. Optimus routes applications by credit tier and includes options for lower scores, and Snap Finance is built for situations banks decline. Every option is subject to credit approval by the lender, but a rough score doesn't end the conversation.
Snap Finance has options for customers without an SSN. The requirements come from Snap and can change, so call us at (801) 678-5748 and we'll walk you through what Snap currently needs. Hablamos español.
Most established HVAC companies do, through one or more outside lenders; the differences are in the lenders behind the button and in who explains the terms. At Lucas Heating and Air the stack is Optimus (a soft-pull marketplace that routes to GreenSky, FTL, or Microf by credit tier), Enhancify (soft pull, no dealer fees), and Snap Finance (a lease-to-own payment plan with an ITIN path). Any Utah installer can only offer what its lenders approve, so the real question to ask a company is which lenders it uses and whether the pre-check is a soft pull. Our blog post on how to finance heating and air conditioning in Utah walks through the questions to ask any installer, including us.
Get your free estimate first, so you're financing a real number instead of a guess. Then check your options online with Optimus or Enhancify, or ask us to help with the application at your kitchen table.
Want the longer version, including the seven questions to ask any installer about financing? Read how to finance heating and air conditioning in Utah.
Know the real number first. Then we'll find the payment that fits. Monday through Friday, 8 to 8. Se Habla Español.
