24/7EMERGENCY ·CALL (931) 219-2803
HVAC Financing · Powered by Wisetack

Affordable HVAC financing in Middle Tennessee.

Replace your AC, furnace, or full HVAC system without draining your savings. ASAP Heating and Air-Conditioning LLC offers flexible monthly payments through Wisetack — fast prequalification, soft credit check, and no hidden fees.

Soft credit check
Decision in seconds
Up to $25,000
No prepayment penalty
Why Wisetack

Financing built for home services.

Wisetack is a trusted home-services lender that partners with HVAC contractors like ASAP to deliver fair, transparent installment loans — without the hassle of a bank.

Fast prequalification

Get a decision in seconds with no commitment.

Soft credit check

Checking your rate won't impact your credit score.

100% on your phone

Apply from the kitchen table — no paperwork required.

No prepayment penalties

Pay off your loan early with zero extra fees.

Transparent terms

See your APR, monthly payment, and total cost before accepting.

Loans up to $25,000

Cover full system installs, replacements, and large repairs.

How It Works

From quote to comfort in four steps.

01

Get your HVAC quote

Call ASAP at (931) 219-2803 or schedule a visit. We provide an upfront, flat-rate quote for repair or install.

02

Prequalify with Wisetack

We send you a secure link by text. Enter a few details — it takes about 60 seconds and won't affect your credit.

03

Choose your terms

Review your loan offers, pick the monthly payment that fits your budget, and e-sign on your phone.

04

We get to work

Once approved, we install or repair your system. You pay Wisetack directly in simple monthly installments.

What You Can Finance

Cover the work that can't wait.

From a single emergency repair to a complete HVAC system upgrade, Wisetack financing makes it easy to say yes to the right fix.

Ask About Financing
New HVAC system installations
AC & heat pump replacements
Furnace replacements
Ductless mini-split installs
Walk-in cooler & freezer service
Major HVAC repairs
Duct system upgrades
Indoor air quality systems
60 sec
Average prequalification
Soft pull
No impact to credit
Up to 60 mo
Flexible loan terms
Financing FAQ

HVAC financing questions, answered.

Who provides ASAP's HVAC financing?

ASAP Heating and Air-Conditioning LLC offers HVAC financing through Wisetack, a trusted home-services lender. Wisetack partners with lenders to provide simple, transparent installment loans for qualified homeowners.

What can I finance with Wisetack through ASAP?

You can finance new HVAC system installations, heat pump replacements, AC and furnace replacements, ductless mini-split installs, and large repair jobs across Centerville, Dickson, Fairview, Bon Aqua, Lyles, Waverly, Hohenwald and the rest of Middle Tennessee.

How much can I borrow?

Wisetack offers financing from approximately $500 up to $25,000 for qualified applicants, with terms typically ranging from 3 to 60 months. Your final rate and term depend on credit and the project amount.

Will checking my rate affect my credit score?

No. Prequalifying with Wisetack uses a soft credit check and will not impact your credit score. You only see a hard inquiry if you accept and finalize a loan offer.

How fast is approval?

Most homeowners get a prequalification decision in seconds. The whole application is done on your phone in just a few minutes — no paperwork, no waiting at the kitchen table.

Are there any prepayment penalties or hidden fees?

Wisetack loans have no prepayment penalties and no hidden fees. You'll see your full payment schedule and APR before you accept the offer.

Financing options provided by Wisetack are subject to credit approval and may not be available in all states. Loans through Wisetack are made by its lending partners. See wisetack.com/faqs for full terms. ASAP Heating and Air-Conditioning LLC is not a lender and does not make credit decisions.

Same-Day Service

Heat out? AC down?
We answer fast.

Real local techs, transparent pricing, straight answers. Call now and we'll have someone on the way today.

Call Now · (931) 219-2803