Flexible Financing for Your New Heating & Cooling System
A new furnace, AC, or water heater is a real investment. Pure Comfort works with trusted financing partners so a high-efficiency system fits your budget, not just your wish list.
Lennox promotions and 0% options are available on approved credit through Service Finance. Learn more about buying from a Lennox Premier Dealer.
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Pay for the Right Installation, Not the Cheapest One
Replacing a furnace, air conditioner or water heater is a fifteen-year decision made in about a week. When the whole cost has to come out of savings at once, the choice usually shifts toward the smallest number on the page rather than the system the house actually needs.
Financing changes that. Spreading the project across monthly payments means sizing, ductwork, return air and commissioning stay in the scope instead of getting cut to hit a price. You still get every option in writing, and you still decide.
Pure Comfort works with Service Finance, the lender behind most Lennox promotions, and uses other sources when they fit the project better. We will tell you which one applies to your job and why.
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What a payment plan can cover
Financing applies to the whole project, not just the equipment box.
- A real load calculation, not a copy of the old equipment's size
- Return-air, filter, and ductwork evaluation
- Nitrogen-purged brazing and a verified deep vacuum
- Recorded operating measurements before we call the job done
Repairs are usually paid at the time of service. If a repair turns into a replacement conversation, financing can be applied to the new system. Ask during your estimate.
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$60 OFF
Any Repair
Valid for a limited time. Not valid
with any other offers.
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Up to $2,000
ComEd Instant Discount
Off your invoice on qualifying
heat pump installations.
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0% APR
Up to 60 Months
On select Lennox systems during Lennox promotions, on approved credit.
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Typically $0 Down
Low Monthly Payments
Longer terms with interest on projects over $2,000, typically with $0 down on approved credit.
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From Estimate to Approved Payment
- Get the free estimateWe evaluate the home, the ductwork and the existing equipment, then put the options in writing with a firm price for each one.
- Pick the option and the termWe show which lender and promotion apply to the equipment you chose, and what the monthly payment looks like at each available term.
- Apply online or with usThe application is short and handled directly by the lender. Most homeowners get a decision the same day, often within minutes.
- Schedule the installOnce you are approved, we book the installation. Payments start after the work is finished, per the lender's terms.
What to Expect
Approval is the lender's decision
Rates, terms, and approval amounts are set by the finance company based on credit, not by us. We can explain available options, but cannot approve or decline applications.
Promotional terms have deadlines
Deferred-interest and 0% offers run for a set window and usually require the balance to be paid inside the promotional period. Read the lender’s terms before you sign.
The estimate comes first
We price the project before financing enters the conversation, so you are comparing a real scope of work rather than a monthly number attached to an unknown job.
Disclosure
Financing is provided by third-party lenders, including Service Finance Company, LLC, and is subject to credit approval. Not all applicants will qualify. Advertised rates, terms, minimum purchase amounts and promotional periods are set by the lender and may change or end without notice. Rebate and discount amounts depend on the equipment installed, program rules in effect at the time of installation, and eligibility factors specific to your home. Pure Comfort Heating and Cooling does not provide tax advice; consult a qualified tax professional. Final terms, payment amounts and disclosures are provided by the lender at the time of application.
See the Price and the Payment Before You Decide
Financing only makes sense once you know what the project actually costs. Tell us what you are planning and we will come out, evaluate the home and put the options in writing, including equipment, ductwork, permits, and all of it.
- No charge, no obligation, and no pressure to sign the same day.
- You see the total cost and the monthly payment side by side.
- We confirm which Lennox, ComEd and Nicor Gas programs your equipment qualifies for.
Call us at (708) 515-4822 instead of filling out the form. We answer the phone directly and can tell you what we can do and when.
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Financing Questions We Get Asked
Does applying affect my credit?
That depends on the lender and the type of check they run. Some pre-qualification steps use a soft inquiry; a full application generally involves a hard inquiry. The lender discloses which applies before you submit, so read that screen before confirming.
How long does approval take?
Most homeowners get a decision quickly, often within minutes of submitting online. Some applications need additional review or documentation, which takes longer. We will not order equipment until the financing is settled.
Can I pay the balance off early?
Prepayment terms are set by the lender. Many HVAC plans allow early payoff without a penalty, and promotional plans often depend on paying the balance inside the promotional window. Confirm the specific terms on your agreement.
Do I have to finance the whole project?
No. You can put part of the project on a payment plan and pay the rest by another method. We will lay out the numbers both ways during the estimate.
Is financing available for repairs?
Financing is generally intended for replacement and installation projects. Repairs are usually handled at the time of service. If a repair leads to a replacement discussion, financing can be applied to the new system.
Do you charge for the estimate?
Replacement estimates are free. For a repair, we diagnose the system first and give you the price for the work before we start it.
Which lender do you use?
Our primary lender is Service Finance, which runs Lennox 0% promotional financing on approved credit. During Lennox promotions, select systems qualify for 0% APR for 18, 25 or up to 60 months, depending on the system. Longer terms with interest are available on any project over $2,000, including indoor air quality equipment and water heaters, for a lower monthly payment. A down payment usually isn’t required, depending on credit, and there are no prepayment penalties.
Rebates you may qualify for
2026 utility programs for Northern Illinois homes. Amounts checked October 2026.
| Program | Equipment | Rebate |
|---|---|---|
| Nicor Gas | Gas furnace, 97%+ AFUE | $225 |
| Nicor Gas | Gas furnace, 95%+ AFUE | $150 |
| Nicor Gas | Furnace + smart thermostat bundle (95% / 97%+ AFUE) | $200 / $275 |
| Nicor Gas | Boiler, 95%+ AFUE | $350 |
| Nicor Gas | Combination boiler (heat + hot water) | $500 |
| Nicor Gas | Tankless gas water heater (ENERGY STAR, UEF .95+) | $150 |
| Nicor Gas | High-efficiency tank water heater | $150 |
| ComEd | Ducted heat pump, Tier 1 (15.2+ SEER2, 8.1+ HSPF2) | Up to $900 / $1,400* |
| ComEd | Ducted heat pump, Tier 2 (17+ SEER2, 8.5+ HSPF2) | Up to $1,500 / $2,000* |
| ComEd | Ductless mini-split (17+ SEER2, 9+ HSPF2) | Up to $500 / $1,000** |
| ComEd | ENERGY STAR smart thermostat with a heat pump | +$75 |
| ComEd | Heat pump water heater | Up to $750 |
* Under / over 2.5 tons heating capacity. ** Under / over 1.5 tons heating capacity. The federal 25C tax credit ended for systems installed after December 31, 2025. Illinois income-qualified HEAR heat pump rebates (up to $8,000) are not available yet as of October 2026, and projects finished before the program opens will not qualify. We confirm the current status on your written quote. ComEd discounts come off your invoice when a ComEd heat pump-trained contractor installs qualifying equipment. Nicor Gas rebates require qualifying equipment and Nicor’s rebate application. Programs can change, so we confirm what your home qualifies for on your written quote. Programs and amounts can change, so confirm current details on the utility sites before you buy. Official details: Nicor Gas rebates · ComEd heat pump discounts.
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- Lennox Premier Dealer
- NATE-certified technicians
- EPA Section 608 certified
- BBB Accredited Business
- Licensed business in the Village of Streamwood
- Registered Illinois LLC
- Fully insured