Yes — Done offers financing options for electrical, HVAC, and plumbing work, because we know that major home repairs and system replacements don’t always arrive at a convenient time financially. Whether you’re looking at a furnace replacement in January, a water heater that failed overnight, or an electrical panel upgrade you’ve been putting off, financing lets you move forward with the work your home needs without draining your savings or delaying a necessary repair.

Why Financing Makes Sense for Home Services

The reality of homeownership is that major mechanical systems — HVAC equipment, water heaters, electrical panels, sewer lines — have finite lifespans, and they don’t always fail on a schedule that aligns with your budget. A new high-efficiency furnace or heat pump can cost several thousand dollars. A full electrical panel upgrade, a tankless water heater installation, or a sewer line repair represents a similar range. These aren’t discretionary purchases you can simply delay indefinitely — a failed furnace in a Colorado winter or a tripping breaker panel are problems that need to be solved now.

Financing turns a large upfront expense into manageable monthly payments, often allowing you to choose better, more efficient equipment than you might select if you were paying the full amount out of pocket. Over a 15–20 year equipment lifespan, the difference between a standard-efficiency and high-efficiency system can represent significant savings on monthly utility bills — savings that can partially offset the financing cost.

What Work Can Be Financed

Done’s financing is available across all the trades we serve:

  • HVAC: Furnace replacement and installation, air conditioner replacement, heat pump systems, ductless mini-splits, whole-home humidifiers, air purification systems, and duct repair or replacement
  • Plumbing: Water heater replacement (tank and tankless), whole-home repiping, water softener and filtration systems, sump pump installation, and major plumbing repairs
  • Electrical: Panel upgrades and replacements, whole-home rewiring, EV charger installation, generator and backup power systems, smart home installations, and major electrical service work
  • Drains and sewer: Sewer line repair, pipe lining and trenchless replacement, and hydrojetting services

How the Process Works

Financing applications are handled through Done’s lending partners and can typically be completed quickly — often before or during your service appointment. When you receive your estimate, your Done technician or comfort advisor can walk you through available financing options and help you apply. Approval decisions are usually fast, and you’ll know your payment options before committing to any work.

The specific terms, rates, and promotional offers (such as deferred interest or same-as-cash periods) vary depending on the lender, your credit profile, and current promotions. Done’s financing page has current information on available programs — we encourage you to review the terms carefully and ask questions before signing any financing agreement.

Combining Financing With Rebates and Tax Credits

Many high-efficiency HVAC systems and heat pumps qualify for federal tax credits or Xcel Energy rebates that can reduce the net cost of your installation. Done can point you toward current incentive programs during your estimate appointment. Combining available rebates with financing can make a premium, efficient system significantly more accessible than the sticker price suggests — and the monthly utility savings start immediately, helping offset your financing payment from day one.

Done’s Care Club: An Alternative for Ongoing Costs

If your primary concern is managing the ongoing cost of home system maintenance rather than a single large repair, Done’s Care Club membership is worth considering alongside or instead of financing. The membership spreads the cost of annual tune-ups and priority service across monthly payments while providing discounts on repairs and parts. It’s a different tool than financing — one for ongoing maintenance budgeting, the other for large one-time investments — but many homeowners use both.

Visit our financing page to see current options and apply, or explore the Care Club membership for ongoing maintenance coverage. When you’re ready for an estimate on any HVAC, plumbing, or electrical project, contact Done — we’ll give you a clear price and walk you through your payment options before any work begins.