Veteran Owned & Operated, Serving Greater Des Moines With 15+ Years of Experience
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Obsidian Heating and Cooling owners

HVAC Financing in Des Moines, IA

A new furnace, air conditioner, or heat pump is a significant investment—but it shouldn’t mean choosing between comfort and cash flow. Obsidian Heating and Cooling team up with approved consumer lenders so qualified Des Moines homeowners can install today and pay in predictable monthly payments. No upfront lump sum, no waiting for your emergency fund to recover, no pressure to downsize the system you really need. With up to 24 months of financing at 0%, your home comfort upgrade can start now. Apply in minutes, get a decision fast, and start enjoying your new equipment right away.

Veteran Owned
15+ Years of Experience
24/7 Emergency Service
Tempstar Elite Dealer
Up to 15-Year Warranty
Parts & Labor
Apply for Financing 515-599-8488
Why Finance With Us
Obsidian Heating and Cooling owners at a customer’s yard sign in Des Moines, IA

Why Central Iowa Homeowners Finance With Obsidian Heating and Cooling

We work with consumer-finance lenders that specialize in home-improvement projects. That means program terms built around HVAC—not generic personal loans—and rates and terms that reflect the long useful life of the equipment you’re installing.

Most applicants receive a decision in minutes, not days. That keeps your installation project on schedule and lets you lock in current pricing without waiting through a lengthy underwriting process.

We walk you through financing the same way we walk you through equipment options—transparently. No aggressive upsells, no pushing you into a program that doesn’t fit. If financing isn’t the right move, we’ll tell you.

Qualified homeowners can take advantage of up to 24 months of financing at 0% interest—spreading the cost of a new system across two full years without paying a dime in interest. It’s a program built around HVAC projects, not a generic personal loan, so the terms fit the equipment you’re installing. Subject to credit approval.

Financing lets you step up to a higher-SEER2 or higher-AFUE system that pays itself back in lower utility bills, without draining your savings. The difference in monthly payment is often smaller than the monthly energy savings.

High-efficiency equipment often qualifies for manufacturer rebates, federal tax credits, and utility incentives. We walk you through every savings opportunity that applies to your project, which can meaningfully reduce the real cost of your financed system.
515-599-8488 Apply for Financing

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Why Finance?

Install Now, Protect Your Savings

When a furnace fails in January or an AC quits in July, waiting isn’t really an option. Financing lets you make the smart long-term choice—a properly sized, high-efficiency system—without draining your reserves. You pay in manageable monthly amounts while the new equipment begins paying you back in lower utility bills from day one.

Keep Cash on Hand

Preserve savings for emergencies and opportunities.

Predictable Payments

Fixed monthly payment, no surprises.

Upgrade Efficiency

Install higher SEER2 / AFUE for long-term savings.

Fast Approvals

Decisions in minutes, not days.

How It Works

From Application to Installation

Financing through Obsidian Heating and Cooling is built to be as quick and low-friction as the install itself.

1
Get Your Estimate

We visit your home, do a proper load calculation, and give you a detailed written estimate for the recommended system. No obligation.

2
Apply in Minutes

Our team walks you through a short application with one of our approved lenders. Most customers get a decision in minutes, not days.

3
Install & Enjoy

Once approved, we schedule your installation. You start enjoying your new system immediately—and make fixed monthly payments over your chosen term.

Financing subject to credit approval. Terms, rates, and program availability vary by lender and applicant qualifications.

What You Can Finance

New Systems, Major Replacements, and Upgrades

Financing is available on most major HVAC projects installed by Obsidian Heating and Cooling:

Central AC

Install & Replacement

Furnace

Gas or Electric

Heat Pump

Ducted Systems

Mini-Split

Ductless LG Systems

Boiler

Hydronic Systems

Geothermal

Ground-Source Systems

Indoor Air Quality

Whole-Home Systems

Complete Projects

Equipment + Ductwork

Stack Your Savings

Combine Financing With Rebates & Tax Credits

High-efficiency equipment often qualifies for manufacturer rebates, federal tax credits, and utility incentives—which can dramatically reduce the real cost of your new system. We’ll walk you through every savings opportunity we find while quoting your project.

Ask About Rebates & Tax Credits
Who Qualifies

Simple, Credit-Based Approval

Our lenders offer multiple programs covering a range of credit profiles. You don’t need perfect credit to be approved—you just need to apply and let the lender review your situation. A soft initial check won’t affect your credit score.

What You’ll Need

Valid ID, Social Security number, employer / income information, and a few minutes to fill out the application.

Secure & Confidential

Applications are submitted directly to our lending companies through secure channels. Your personal data is never shared for marketing.

Fast Decision

Most applicants receive an approval decision within minutes, so you can move forward with installation without waiting.

24/7 Emergency HVAC Services Veteran-Owned & Operated 15+ Years of Experience 1-Year of Free Maintenance With Every Install 24/7 Emergency HVAC Services Veteran-Owned & Operated 15+ Years of Experience 1-Year of Free Maintenance With Every Install

Start a Financing Conversation

Share a few details about your project and our team will follow up within one business day to walk through estimate and financing options together.

Obsidian Heating and Cooling HVAC financing service area map covering Greater Des Moines
Our Service Areas

Financing Available Throughout Central Iowa

We offer financed installations throughout the Des Moines metro and surrounding communities.

Serving Our Neighbors in & Around:

Des Moines, IA
Ankeny, IA
Urbandale, IA
Altoona, IA
Grimes, IA
Clive, IA

Not Sure If We Service Your Area?

We’re dedicated to serving Greater Des Moines and our surrounding communities. Give us a call if you’re not sure if we come to you—chances are we do.

515-599-8488 See All Service Areas

Ankeny, IA

Ankeny homeowners can install a new system now and pay in predictable monthly amounts. We walk you through every financing option that applies.

Financing in Ankeny

Urbandale, IA

Northwest of Des Moines, Urbandale residents upgrade to high-efficiency systems with the help of flexible financing.

Financing in Urbandale

Altoona, IA

Southeast of Des Moines, Altoona homeowners trust us for the same professional install and the same accessible financing options.

Financing in Altoona

Grimes, IA

North of Des Moines, Grimes residents finance new installs across every major system type. Apply in minutes.

Financing in Grimes

Clive, IA

West of Des Moines, Clive is a regular stop for financed installs—furnaces, AC, heat pumps, and complete retrofits.

Financing in Clive
Ready to Apply?

Install Now, Pay Over Time

A new system is one of the most impactful upgrades you can make to your home—both for comfort and for long-term energy costs. Financing removes the cash-flow obstacle so you can move forward on the right project without compromises.

Send us a message or give us a call—we’ll walk you through the estimate and financing options together.

We pair financing with a specific installation project, so the first step is a written estimate. Free and no obligation.

Promotional offers (including 0% introductory APR plans) rotate through the year. Ask at your estimate visit—we’ll tell you what’s currently available.

High-efficiency systems often qualify for rebates, federal tax credits, and utility incentives on top of financing. We’ll identify every one that applies.
Apply for Financing 515-599-8488

All financing subject to credit approval. Terms, rates, and program availability vary by lender and applicant qualifications. Obsidian Heating and Cooling is not a lender.

Obsidian Heating and Cooling team serving Des Moines, IA
Installations You Can Finance

Popular Financed Projects

Financing works for every major HVAC installation we offer.

AC Installation & Replacement

Finance a new Tempstar Elite central AC system with one of our approved lenders. Install today and pay over time.

Explore AC Installation

Furnace Installation & Replacement

Replace an aging furnace before it fails—financing spreads the cost and you get the efficiency gains immediately.

Get a New Furnace Installed

Heat Pump Installation

All-in-one heating and cooling. Heat pumps often qualify for federal tax credits on top of financing.

Explore Heat Pumps

Mini-Split Installation

Ductless LG systems for additions, garages, and homes without ductwork. Finance the whole install.

See Mini-Split Options

Maintenance Plans

Every financed install comes with one year of free maintenance. Add an ongoing plan to keep things protected long-term.

Explore Maintenance Plans
Answering Your Questions

Frequently Asked Questions About HVAC Financing

Financing amounts vary by lender and applicant. Most HVAC projects—from single-system replacements to whole-home retrofits—fall well within standard program limits. We’ll share approved amounts with you as part of the quote-and-apply process.

Promotional offers (including 0% introductory APR plans) come and go depending on the lender, season, and equipment manufacturer. Ask when you call or when we arrive for the estimate—we’ll tell you what’s currently available for your project.

Our lenders work across a range of credit profiles, so there’s no single cutoff. Applicants with stronger credit typically qualify for the best rates and terms, but many programs are designed for everyday credit profiles. The only way to know for sure is to apply—and applying usually won’t affect your score during the initial decision step.

Yes—we pair financing with a specific installation project, so we’ll want to give you a proper estimate first. That way the financed amount matches the actual equipment, labor, and any related ductwork or upgrades. Estimates are free and there’s no obligation.

Most financing programs are built for installations and major replacements, but certain larger repair projects can qualify. If you’re facing a big repair, ask us—sometimes a replacement with financing is actually the cheaper long-term move once you factor in efficiency gains and warranty.

Most of our financing programs allow prepayment without penalty, but specifics depend on the loan terms. Your lender will document exactly what applies before you sign.

The initial decision step typically uses a soft credit check that doesn’t affect your score. A hard pull happens only if you move forward with the loan—standard practice for any consumer financing.

Yes, and we strongly recommend it. High-efficiency installs often qualify for manufacturer rebates, federal tax credits, and utility incentives that stack on top of financing—meaningfully reducing the real cost of your new system.

Obsidian Heating and Cooling is not a lender—we team up with approved consumer-finance companies that specialize in home-improvement projects. We’ll disclose the specific lender and terms before you apply.

Most approved applicants can be scheduled within days—sometimes sooner for emergency replacements. Seasonal demand can affect timing, so we’ll give you a firm date before you sign.
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