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★★★★★  GoodLeap · Same-as-cash available

Financing that actually fits.

A new system shouldn't mean tapping savings. We partner with GoodLeap for HVAC and plumbing financing — same-as-cash promo periods or fixed-rate plans. Quick application, instant decision, financing folded right into your written quote.

Soft-pull options Instant decision No prepayment penalty
Five Star Air Conditioning, Heating & Plumbing service trucks
Trusted by 200+ Southern Utah homes
Same-as-cash plans
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Fixed-rate options
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Quick application
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No prepayment penalty
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Instant decision
How financing works

Three steps. No surprises.

Apply online, pick your plan, install your system. We handle the financing paperwork so you don't have to.

01

Apply

Click apply, fill out the GoodLeap application (5 minutes). Soft-pull options available so it doesn't ding your credit just to check.

02

Get a decision

Instant decision in most cases. Pick the plan that works — same-as-cash, fixed-rate, or longer-term to keep monthly low.

03

Install

We schedule your install. Financing is folded into the quote. Payments start after the system is installed and running, not before.

Pay it off

Pay off the same-as-cash balance during the promo window for zero interest, or stick with the fixed-rate plan. No prepayment penalty.

Available plans

Pick what works for you.

Two main types of plans. Pick based on whether you want zero interest with a deadline, or predictable monthly payments long-term.

Same-as-Cash · 0% APR
12 mo

12-Month Promo

Pay the full balance within 12 months and pay zero interest. Smart move if you have the cash flow but don't want to deplete savings up front.

Most installs eligible
Apply for this plan

Subject to credit approval. Interest accrues during promo period and is waived if paid in full by deadline.

Same-as-Cash · 0% APR
18 mo

18-Month Promo

More breathing room. Pay full balance within 18 months for zero interest. Good for bigger system installs where you want a longer payoff window.

Larger installs
Apply for this plan

Subject to credit approval. Interest waived if paid in full by deadline.

Fixed-Rate · Standard
5-15 yr

Fixed-Rate Plans

Predictable monthly payments over a set term. Rates and terms depend on your credit and loan amount. Ideal if you'd rather budget a steady payment than worry about a payoff deadline.

All system sizes
Apply for this plan

Rate and term subject to credit approval. No prepayment penalty.

What you can finance

Most major installs.

Financing is best suited for system installs and major projects. Smaller repairs typically don't qualify.

New AC Systems

Complete AC replacements typically $7,500-$17,000. Excellent fit for same-as-cash or fixed-rate plans.

See AC install

Furnaces & Heat Pumps

Furnace replacements $4,500-$13,000. Heat pumps $9,500-$14,500 (often qualifies for federal tax credits too).

See heating install

Repipes & Tankless

Whole-home repipes $7,500-$18,000. Tankless water heater installs $4,500-$7,500. Both excellent financing candidates.

See plumbing services

Trucks across the entire Southern Utah corridor.

St. George-based with techs working from Bloomington up to Parowan every day. We'll be at your door — usually faster than you'd expect.

St. George (HQ) Hurricane Cedar City Washington Ivins Santa Clara La Verkin Toquerville Leeds Bloomington Parowan Enoch
Common questions

Financing questions, straight answers.

Does applying hurt my credit score?
GoodLeap offers a soft-pull option so you can pre-qualify without affecting your credit. A formal application does require a hard pull, which has a small temporary effect on your score (usually 5-10 points, recovers in a few months).
What credit score do I need?
Generally 600+ for fixed-rate plans, 660+ for the best same-as-cash terms. GoodLeap looks at the full picture — credit history, debt-to-income, employment — not just the score number.
What if I can't pay off the same-as-cash balance in time?
Interest that accrued during the promo period kicks in. That's why same-as-cash plans work best when you have a clear plan to pay it off — like a tax refund coming, or steady cash flow. If you're unsure, fixed-rate is usually the safer pick.
Can I pay off early?
Yes — no prepayment penalty on any GoodLeap plan. Pay it off whenever you can, save on interest.
How long does approval take?
Most applications get an instant decision (under 5 minutes). Some require additional documentation, which adds 1-2 business days. We don't schedule installs until financing is approved, so there's no risk of getting stuck.
Can I finance an emergency repair?
Smaller repairs (under $2,000) typically don't qualify. Larger projects — system replacements, repipes, sewer line work — do. If you're not sure, ask us when we quote.
Ready to apply?

One application.
Instant decision.