Virginia Mechanical Inc.

HVAC Financing in Tracy, CA

HVAC Financing

Financing the purchase of a new, energy-efficient models of heating and air conditioning systems is more affordable than you might think! Our knowledgeable staff will assist you in choosing the financing option that meets your individual needs. Contact us today with any questions about HVAC financing and how to get started.

  • Affordable Financing Options
  • Reduce Monthly Utility Bills
  • Flexible Payment Terms
  • Bad Credit/No Credit Ok
  • Low Monthly Payments
  • No Down Payment Requirements
  • Low Interest Rates

Call To Schedule Service:

209-832-2966

Energy-Efficient Heating and Air Conditioning System Financing

Virginia Mechanical is proud to offer multiple financing options when it's time to replace or upgrade your broken or inefficient heating or air conditioning system. The purchase of a new heating or air conditioning system is a significant investment. For those who are unable to pay cash upfront, HVAC financing is an essential tool to cover the equipment purchase and installation costs.

HVAC Financing Is More Affordable Than You Might Think

Financing a new, energy-efficient heating or cooling system is more affordable than you might think. We review each of our customers needs and requirements on an individual basis to find the best financing program for any set of circumstances. Even customers with less than perfect credit qualify for affordable financing options. Many of our customers find that their monthly payments are offset by the utility bill savings they see every month due to increased energy efficiency of their new systems.

CONTACT US TODAY

We Work With Multiple HVAC Financing Programs

We recognize that each customers needs and circumstances are different. We work with multiple HVAC financing lenders to offer the flexibility to finance the purchase and installation of your new heating and cooling equipment within your budget.

HERO Financing Program

Home Energy Renovation Opportunity

The HERO financing program allows you to finance 100% of the purchase and installation costs of a brand new, energy-efficient HVAC system that is repaid through your home’s property taxes.


  • Finance Full Purchase and Installation Cost
  • Choose From Money-saving Energy-efficient HVAC Products
  • Low, Fixed Interest Rates
  • Flexible 5 to 20 Year Repayment Terms
  • Payments Factored into Yearly Property Taxes
  • 1st Payment Due in Following Tax Year

Benji Financing

Unsecured Financing for Homeowners

Benji is an unsecured financing platform available to homeowners who live in California. Financing your residential HVAC improvements offers the following benefits:


  • Low monthly payments with rates as low as 6.99%
  • 6, 12 and 18 month no interest/no payment plans
  • 5, 7 and 10 year payment terms
  • Project funding between $2,000 and $50,000
  • Approval rates of greater than 80%
  • Can be combined with financing from HERO program

Synchrony Financial

Private Label Credit Card Provider

Synchrony Financial provides financing to help customers afford major heating and air conditioning purchases, and is the largest provider of private-label credit cards in the United States.


  • Simple application process
  • 70% application approval rate
  • Unsecured, generous revolving credit lines
  • Open credit for future purchases
  • Convenient monthly payment options
  • Competitive interest rates
  • No prepayment penalties

Ygrene Energy Fund

Financing Corporation

Ygrene Energy Fund is a leader in residential and commercial clean energy financing, providing home and business owners with accessible and affordable financing for energy efficient HVAC purchases.


  • No upfront payments required
  • Eligibility based on home equity
  • Low interest rates for qualified applicants
  • 20 year payment terms available

Let's Get Started!

To learn more about HVAC financing, or to get started with one of our financing options, give us a call today!

209-832-2966
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