Financing Options
Comfort Shouldn't Wait
Major HVAC repairs or replacements are difficult to plan around, and these expenses never seem to arise at a good time. That's why Sanborn's has partnered with trusted financing providers to help our customers ease this burden.
Whether you have great credit, fair credit, or no credit history at all — we have a financing option designed to work for you and your family. Don't wait until the next heat wave or cold snap. Get comfortable now and pay over time.
We've helped thousands of Inland Empire families get the HVAC system they need — without the financial stress. Our financing partners are designed to work for all types of credit situations.
How Financing Works
Getting financed through Sanborn's is simple. From estimate to installation, we handle the details so you can focus on staying comfortable.
Get a Free Estimate
Schedule a visit and one of our certified technicians will assess your system and provide a detailed, no-obligation quote for equipment and installation.
Choose Your Plan
We'll walk you through all available financing options and help you choose the plan with the payment terms and monthly amount that best fits your budget.
Get Comfortable
Once approved, our team schedules your installation at your convenience. Enjoy a perfectly comfortable home while your payments stay manageable.
Financing FAQ
We partner with three trusted lenders: Wells Fargo Home Projects, the HERO Program, and Payzer. Each offers different terms and credit requirements — we'll match you with the best fit for your situation.
Yes. Our partners accommodate a wide range of credit situations. The HERO Program uses home equity for eligibility rather than credit score, making it accessible to many who don't qualify for traditional credit.
HERO is a government-backed program for energy-efficient home improvements. Eligibility is based on home equity, and repayment is added to your property tax bill. Available to homeowners in San Bernardino County and the IE.
Many customers receive same-day approval through Wells Fargo and Payzer. The HERO Program may take a few additional business days. Our team guides you through every step — especially if you're facing an urgent repair.
Financing covers AC and heating installations, replacements, ductwork, and indoor air quality upgrades. The HERO Program focuses specifically on energy-efficient equipment. Contact us to confirm what applies to your project.
Yes. HVAC emergencies don't wait for ideal financial timing. Our fast-approval options through Wells Fargo and Payzer are designed to help you address urgent breakdowns immediately — without the full cost upfront.
Ready to Get Comfortable?
For more information on any of our financing programs, or to schedule your free estimate, contact the Sanborn's team today. We'll find the right solution for your home and your budget.