Comfort Now. Payments That Fit Your Budget.
A new HVAC system, water heater, or electrical upgrade shouldn't have to wait for the perfect moment. Team Enoch offers four financing options covering nearly every credit situation. Watch the video to see how they compare.
Which Option Fits You?
Every lender serves a different credit range. Find where you fall, then click your option below to learn more and apply. Not sure? Call us — we'll help you choose.
Our Financing Options
Click any option to learn more about the lender and start an application. Applications take just a few minutes, and most decisions come back quickly.
Wells Fargo
Lowest-cost promotional plans for strong credit
- 0% APR for 18 months promotional plan available
- 7.9% APR for 72 months promotional plan available
- Typically fits customers with 670–680+ credit scores
- Fast online application with quick credit decisions
Promotional plans subject to credit approval. The card's standard purchase APR is 28.99% — paying the promotional balance on schedule avoids standard-rate interest.
Learn More & Apply →Fast Lane
Flexible middle-ground financing
- Often a fit when credit is in the low-to-mid 600s
- Competitive terms that update regularly
- Quick application and decision process
- We'll email you a personal application link — just reach out to our accounting team
Rates and terms vary and are subject to credit approval. Current terms available on request.
Chowder Financial
A path forward for challenged credit
- May approve customers below 610 — including scores in the 500s
- Rates typically range from 18% to 32% APR
- Approval terms vary by applicant
- Early payoff option available
Rates are not guaranteed and vary by credit profile. Review the full terms and total repayment amount carefully before signing.
Learn More & Apply →Breeze / Okinus
Lease-to-own when traditional financing isn't an option
- Lease-to-own program — not a traditional loan, so no credit check required
- May approve customers with credit scores around 500
- Gets essential equipment installed when other options decline
- Early payoff option available to reduce your total cost
Lease-to-own total costs can be significantly higher than financing. Review the agreement closely — including the total of payments — before signing.
Start Your Lease Application →What to Expect: The Wells Fargo Journey
- 1
Apply Online
Click the Wells Fargo link above to apply. The application takes about 5 minutes.
- 2
Get Your Decision
At the end of the application, a Wells Fargo pop-up tells you whether you're approved or your application is still pending.
- 3
Accept Your Estimate
Once approved, accept your Team Enoch estimate and pay the $500 deposit via credit card to schedule your installation.
- 4
Install & Choose Your Term
We complete your installation and send the final invoice. We'll confirm you still want to finance (you can pay another way), you pick your financing term, and we process the transaction for you.
- 5
Sign Electronically
Wells Fargo emails you a document to sign electronically. Once signed, Wells Fargo pays Team Enoch and we send you a receipt showing your invoice paid in full — $500 deposit credited.
- 6
First Statement
Your first Wells Fargo statement arrives within 30–45 days. Set up your online account and begin making payments.
Straight Answers About Financing
Financing is a tool — and like any tool, it works best when you understand it. Promotional plans like 0% APR save you the most, but only when the balance is paid off within the promotional window. Longer terms lower the monthly payment but raise the total you'll pay.
Whichever option you choose, we'll walk you through the monthly payment, the total repayment amount, and what happens after any promotional period — before you sign anything. No surprises on the invoice, and none in the fine print either.
Our advice: pick the shortest term with a monthly payment you're comfortable with, and always read the full agreement.
Not Sure Which Option Is Right?
Our team helps homeowners figure out financing every day. Call us and we'll talk through your options in plain English — no pressure, no obligation.
Get a Free Quote(407) 336-8000Questions about an application? Call Accounting at (817) 888-8880, ext. 5
All financing is subject to credit approval by the independent lender. Team Enoch does not provide financing and makes no guarantee of approval, rates, or terms. Rates, promotional plans, and credit requirements are set by each lender and may change without notice.
Wells Fargo promotional plans: special terms apply to qualifying purchases charged with approved credit. The standard purchase APR of 28.99% applies to non-promotional balances. Lease-to-own programs (Breeze/Okinus) are rental-purchase agreements, not loans or credit; total lease costs may substantially exceed the cash price of the equipment. Review all agreements, including the total of payments, before signing. Credit score ranges shown are general guidance only and do not guarantee approval through any lender.