Wisetack HVAC Financing | Hartzell’s Heat & Air
A new HVAC system is one of the largest purchases a homeowner makes. Wisetack financing through Hartzell’s Heat & Air lets you spread that cost over monthly payments that fit your budget — with no impact to your credit score just to check your options.
Common HVAC Questions › · Current Specials › · Equipment Warranties › · See Pricing ›
How Wisetack Financing Works
1
Request Your Estimate
Call Hartzell’s or book online and mention you’re interested in financing when you schedule.
2
Apply on Your Phone
We send you a link. The application takes a few minutes. Near-instant decision, 24/7 — no impact to your credit score to check options.
3
Choose Your Plan
You receive up to 8 personalized loan options. Pick the monthly payment and term that works for your budget.
4
We Complete the Job
Hartzell’s completes your installation. You make monthly payments to Wisetack directly on your schedule.
Loan Amounts, Terms & Rates
$500–$25,000
Financing available
0%–35.9%
APR range
3–120 mo
Repayment terms
Up to 8
Loan options per customer
Your actual APR and monthly payment depend on your credit profile. Promotional 0% APR plans are available for qualifying customers for up to 24 months. The table below shows representative examples of how the same project cost can look at different terms:
| Financed Amount | APR | Term | Est. Monthly Payment |
|---|---|---|---|
| $3,000 | 0% APR | 12 mo | $250/mo |
| $3,000 | 8.9% APR | 24 mo | $136/mo |
| $7,500 | 0% APR | 24 mo | $313/mo |
| $7,500 | 12.9% APR | 60 mo | $170/mo |
| $15,000 | 0% APR | 24 mo | $625/mo |
| $15,000 | 12.9% APR | 84 mo | $257/mo |
Payment examples are illustrative. Actual terms are determined by Wisetack based on creditworthiness. Financing is subject to credit approval.
Why Finance Your HVAC System?
A residential HVAC replacement in central Oklahoma typically runs between $5,000 and $18,000 depending on the system type, home size, and equipment selected. A geothermal heat pump — the most efficient option for Oklahoma homes — often costs $15,000–$30,000 before Oklahoma utility rebates. For most homeowners, that’s not an out-of-pocket purchase.
Financing lets you act now — before a failing system leaves you without heat or cooling — rather than waiting until you’ve saved the full amount. In many cases, the energy savings from a new high-efficiency system offset a meaningful portion of the monthly payment. A geothermal system replacing an aging gas furnace and central AC can cut monthly utility costs by $100–$250 depending on your home and utility rates.
Hartzell’s also offers financing through Synchrony and Wells Fargo Home Projects in addition to Wisetack. We’ll present all available options with your estimate so you can choose what works best for your situation.
Stack Wisetack Financing with Oklahoma Utility Rebates
Oklahoma rural electric cooperative customers — including CKenergy, Canadian Valley, and Central Electric — qualify for geothermal rebates up to $2,000 per ton of installed capacity. You can finance the full project cost through Wisetack and apply your rebate check to the loan balance when it arrives, effectively reducing your total financed amount. See current Oklahoma geothermal rebates ›
Ready to See Your Financing Options?
Call or text Hartzell’s. We’ll send you the Wisetack application link when we schedule your estimate. Checking your options takes minutes and won’t affect your credit score.
Wisetack Financing — Frequently Asked Questions
What can I finance with Wisetack through Hartzell’s?
You can finance any HVAC installation or replacement Hartzell’s performs — including central AC and heating systems, geothermal heat pump installations, ductless mini-split systems, and new construction HVAC. Minimum financed amount is $500; maximum is $25,000.
Will applying for Wisetack financing hurt my credit score?
No. Checking your financing options through Wisetack uses a soft credit inquiry, which does not affect your credit score. You only see a hard inquiry if you accept and complete a loan.
What APR and terms are available?
Wisetack offers APRs from 0% to 35.9% and repayment terms from 3 to 120 months, depending on your credit profile. Each customer receives up to 8 personalized loan options to choose from. Promotional 0% APR plans are available for qualifying customers for up to 24 months.
How quickly do I get a decision?
Wisetack provides near-instant decisions, available 24 hours a day, 7 days a week. You apply from your phone and typically know your options within seconds.
How do I apply?
Just ask about financing when you call Hartzell’s at 405-375-4822 or when you request your estimate. We’ll send you a link to apply directly from your phone. The application takes a few minutes and gives you your personalized options right away.
Can I combine Wisetack financing with Oklahoma utility rebates?
Yes. Oklahoma utility rebates — up to $2,000 per ton for geothermal from rural electric cooperatives like CKenergy — are paid separately and do not affect your Wisetack loan. You can finance the full project cost and apply rebates when they arrive to pay down the balance or pocket the savings.
Is financing available for repairs, or only replacements?
Wisetack financing through Hartzell’s is primarily used for system replacements and new installations where the financed amount meets the $500 minimum. Ask about availability for your specific situation when you call.
Also on Hartzell’s Financing Page
The main HVAC financing page covers all three of our lending partners — Synchrony, Wells Fargo Home Projects, and Wisetack — along with Oklahoma utility rebate details and important 2026 tax credit updates.
Dave Hartzell
“We offer Wisetack alongside Synchrony and Wells Fargo Home Projects so you have options. The right lender depends on your credit profile — we help you pick.”
Nearby Communities We Serve
Ready to Schedule?
Call 405-375-4822 or book online. Same-day appointments often available. Free estimates on new systems.