Financing Options

Financing Options

Do you have an expensive repair, or need to replace your heating and air system? Your home is an important asset and keeping your heating, air and electrical systems operating safely and efficiently helps protect your investment. Whether you are fixing up a new home, or upgrading your existing home, John Waters Inc. can help you protect your home investment. We offer some of the most competitive financing options in the business – tailored to your needs.

Choose from one of our many options! Simply click on the links below for the plan that suits your needs to apply and pre-qualify. It’s that easy.

12 Months Same as Cash

The best deal for those who want to save on interest – and spread payments out over a year. Apply here.

12-Month Same-As-Cash Loan

*Credit and loans provided by Regions Bank, Member FDIC, (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 19.99% fixed APR (provided however, APR will not exceed 15.99% for residents of New Jersey and 17.99% for residents of Florida and Wisconsin), effective as of May 2025, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Interest waived if repaid in 365 days. Repayment terms vary from 24 to 132 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 365 days after funds are disbursed. If no payments made during same-as-cash period and APR of 19.99%, monthly payments vary from $21.99 to $30.82 per $1,000 borrowed depending on term. The minimum monthly payment will be no less than $50.00.

5 Year Financing

Perhaps you’d like to spread your payments over five years, or sixty months! No problem. We offer a plan with competitive rates, and NO PRE-PAYMENT PENALTY should you change your mind and decide to pay off the balance early. Click here to learn more and apply.

6.99% APR 5-Yr Loan

*Credit and loans provided by Regions Bank, Member FDIC, (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 6.99% fixed APR, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Repayment term is 60 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 30 days after funds are disbursed. 60 monthly payments of $19.80 per $1,000 borrowed. The minimum monthly payment will be no less than $50.00.

10 Year Financing

Some of our customers prefer to pay over the life of your heating and air system – or electrical system repairs and upgrades. No problem. Our competitive ten year plan may be the choice for you! And, if you decide to pay off early, there is NO PRE-PAYMENT PENALTY! Apply here.

6.99% APR 10-Yr Loan

*Credit and loans provided by Regions Bank, Member FDIC, (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 6.99% fixed APR, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Repayment term is 120 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 30 days after funds are disbursed. 120 monthly payments of $11.61 per $1,000 borrowed. The minimum monthly payment will be no less than $50.00.

Second Look

If your credit score could use some love, no worries. You may want to take a look at this option. Learn more here

Microf

Cash strapped and needing to have another option? Perhaps MICROF would be the best fit for you. Take a look and see if this option meets your needs.

FTL

  • FTL has two options: the FTL Finance Lease and the FTL ESC Card:
  • FTL Finance Lease: The FTL Finance Lease is an installment loan with a $1.00 buyout at the end of the term. Fixed Interest Rate. Fixed Term. Fixed Payment.
  • FTL ESC Card: The FTL ESC Card is a revolving credit account, with deferred interest and low monthly payments.

Looking to finance? John Waters Inc. has multiple options: