Northern One Hour team member reviewing financing options with a Twin Cities homeowner at the table
On-Time. Every Time.

Affordable Comfort.
Flexible Payments.

Don't let budget constraints delay essential home comfort and efficiency upgrades. We offer tailored financing solutions designed to fit your monthly budget, so you can keep your home comfortable with confidence today.

Financing Through GoodLeap

We partner with GoodLeap to offer flexible payment options. Soft credit check until funding, approval in minutes.

Our Financing Partner

Why GoodLeap?

  • $0 Down Payment
  • Fixed Interest Rates
  • No Prepayment Penalties
  • Autopay Discount (0.50%)
  • Flexible Terms
  • Soft Credit Check

GoodLeap uses a soft credit check until funding and the highest score from all 3 bureaus to see if you qualify.

Also available: GreenSky

A second financing option with three plans to choose from. Pick the one that fits your budget to start an application. All financing is subject to credit approval.

Fixed Rate 9.99% APR for 180 Months

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Plan 1599. Loan term is 180 months at fixed rate of 9.99% APR. For example, assuming the full credit limit is used on loan approval date, for every $1,000 financed at 9.99% APR, 180 monthly payments of $10.74.

No Interest if Paid in Full in 12 Months

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Plan 2521. Subject to credit approval. APR Rates range from 15.85%-24.77% (fixed periodic interest rates range from 17.99%-29.99%). Only well-qualified applicants will receive an APR of 15.85% (fixed periodic interest rate 17.99%); some applicants may not qualify. Loan amount and rate will vary based on your income and creditworthiness. 12 month promotional period (Promo Period) during which interest is billed but will be waived if the amount financed is paid in full before Promo Period expires. Monthly payments are not required during the Promo Period. Any unpaid balance and amounts owed after Promo Period will be paid over 84 monthly payments. Example for $10,000 loan: 24.77% APR, fixed periodic interest rate of 29.99%, 12 monthly payments of $0 followed by 84 monthly payments of $321.57. Actual payments based on amounts and timing of purchases. Call 866-936-0602 for details.

No Interest if Paid in Full in 18 Months

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Plan 2631. Subject to credit approval. APR Rates range from 17.99%-29.99% (fixed periodic interest rates range from 17.99%-29.99%). Only well-qualified applicants will receive an APR of 17.99%; some applicants may not qualify. Loan amount and rate will vary based on your income and creditworthiness. 18 month promotional period (Promo Period) during which interest is billed but will be waived if the amount financed is paid in full before Promo Period expires. Monthly payments are required during the Promo Period, but making only the required monthly payments will not pay off the amount financed by Promo Period expiration date. Any unpaid balance and amounts owed after Promo Period will be paid over 66 monthly payments. Example for $10,000 loan: 29.99% APR, 84 monthly payments of $285.87. Actual payments based on amounts and timing of purchases. Call 866-936-0602 for details.

*Subject to credit approval. These examples are estimates only. Actual payment amounts based on amount and timing of purchases. Call 866-936-0602 for financing costs and terms. Loans for the GreenSky® consumer loan program are provided by Synovus Bank, Member FDIC, NMLS #408043, without regard to age, race, color, religion, national origin, gender, disability, or familial status. GreenSky Servicing, LLC services the loans on behalf of your lender, NMLS #1416362. www.nmlsconsumeraccess.org. GreenSky® is a registered trademark of GreenSky, LLC and is licensed to banks and other financial institutions for their use in connection with that consumer loan program. GreenSky Servicing, LLC is a financial technology company that manages the GreenSky® consumer loan program by providing origination and servicing support to banks and other financial institutions that make or hold program loans. GreenSky, LLC and GreenSky Servicing, LLC are not lenders. All credit decisions and loan terms are determined by program lenders.

Special Financing Offer

0% Interest, $0 Down, No Payments for 12 Months

Get the work done now and pay over the next 12 months on qualifying equipment and installations, with approved credit through participating lenders.

0

Down

$0

Payments

0%

Interest

0% interest financing with $0 down and no payments for 12 months available on qualifying equipment and installations with approved credit through participating lenders. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 12 months.

Call (763) 260-6662

Ask for more details.

Simple. Fast. Transparent.

Four easy steps to a safer, more efficient home.

1

Apply Online

Fill out a simple form through our secure partner portal.

2

Instant Decision

Get a credit decision in under 60 seconds with no commitment.

3

Book Service

Once approved, schedule your professional installation.

4

Low Payments

Enjoy your upgrades while paying in manageable monthly installments.

What Can You Finance?

Furnace & AC Replacement

High-efficiency heating and cooling systems sized for your home.

Heat Pumps

Year-round comfort and lower energy bills for Minnesota's climate.

Ductless Mini-Splits

Energy-efficient comfort for additions and tricky layouts.

Indoor Air Quality Systems

Whole-home purifiers, humidifiers, and filtration.

Repairs

Unexpected heating or cooling repairs, so a breakdown never blows your budget.

Don't see your project? Contact us!

Northern One Hour technician explaining a system upgrade to a Twin Cities homeowner

"Financing let us replace our aging furnace before winter. The monthly payment is less than our cable bill!"

- The Henderson Family

Financing FAQs

Will this impact my credit score? +
GoodLeap uses a soft credit pull for pre-qualification, which does not affect your credit score. A hard inquiry only occurs if you accept the offer and proceed to funding.
How long does approval take? +
Most homeowners are approved in minutes after submitting their application.
Is there a penalty for early repayment? +
No. GoodLeap does not charge prepayment penalties. You can pay off your balance early at any time.
Can I use financing for emergency repairs? +
Yes. Financing is a great way to handle unexpected heating or cooling failures without disrupting your household budget.
What credit score do I need? +
GoodLeap uses the highest score from all 3 bureaus to determine if you qualify. Options are available for a wide range of credit profiles.
Is there an autopay discount? +
Yes. You can save 0.50% on your rate by setting up autopay.
Can I finance multiple projects? +
Yes. You can bundle multiple heating and cooling services into a single financing application for convenience.

Ready to Upgrade Your Comfort?

Call us today or book online to discuss your financing options.

Book Online (763) 260-6662