HVAC Financing in Des Moines, IA
Buy Today, Pay Over Time*
At Bell Brothers, we know heating and cooling repairs or replacements can be a significant and often unexpected expense. When your HVAC system isn’t working properly, waiting isn’t always an option, especially during Iowa’s hot summers and cold winters.
Financing gives homeowners a practical way to move forward with necessary HVAC services without delaying repairs or taking on a large upfront cost. That’s why Bell Brothers offers financing options with approved credit to help make major HVAC projects easier to manage.
Flexible Financing for Heating & Cooling Services
HVAC financing is designed to support homeowners when comfort and reliability matter most. By applying through our trusted third-party financing partner, Upgrade, you can explore payment options that help:
- Cover the cost of major HVAC repairs or system replacements
- Break expenses into manageable monthly payments
- Manage your account and make payments online
- Take advantage of special promotional terms when available
Financing may be used for heating and air conditioning repairs, replacements, and new system installations.
All financing is subject to credit approval.
To get started, apply directly through Upgrade using the link below.
Apply for Financing
Loans are subject to credit approval. Home Improvement Loans offered through Upgrade are made by Cross River Bank, Member FDIC, Equal Housing Lender. Upgrade, Inc. (NMLS #1548935) holds the following state licenses.
These loan terms are not guaranteed and are subject to our verification and review process. Applicants may be asked to provide additional documents to enable us to verify their income and their identity. For loans that charge interest, this rate includes an Autopay APR reduction of 0.5%. By enrolling in Autopay, borrowers' payments will be automatically deducted from their bank account. Selecting Autopay is optional. If you are eligible for credit union membership, you may be required to join a credit union to receive the APR shown. Subsequent charges and fees may increase the cost of the loan. There is no fee or penalty for repaying a loan early. For more information, applicants should refer to the applicable Borrower Agreement and TILA Disclosure.
Loans may be disbursed in one or more advances. These loan terms are estimates based on the assumption that the loan is disbursed in a single advance upon execution of the Borrower Agreement. Actual loan terms may vary depending on, among other things, the exact number of advances, the amount of each advance, and the date on which each advance will occur.
