Financing

Michigan Saves Financing

Michigan Saves logo.Residential Financing

All across the state, homeowners have realized greater health and safety protections, energy and money savings, and improved comfort through Michigan Saves’ Home Energy Loan Program.

We offer eligible homeowners unsecured, personal loans for prequalified energy measures or improvements recommended by a whole-home energy assessment.

We partner with authorized residential lenders to offer competitive, low-interest financing up to $40,000. Homeowners are eligible for interest rates ranging from 4.25% to 7% APR, though most customers finance at 5.50% APR.

Flexible terms up to twelve years are available with no penalty for early repayment. Actual rates, terms, and loans amounts are dependent on the lender selected and the borrower’s creditworthiness.

Commercial Financing

What if your business could save hundreds, or even thousands, of dollars each month on your energy bill?

With Michigan Saves financing, you can power your business with less energy. Upgrading costly refrigeration units or HVAC systems within your commercial space can help you save money.

Michigan Saves offers financing up to $250,000 as low as 5.9% for up to 5 years.

Our commercial salesperson will walk you through all the steps to securing your loan and improving your energy efficiency.

Financing with Microf

Microf financing.Microf and SunTrust have partnered to provide a single application for a financing and lease purchase program that enables clients to restore their heating and cooling needs with an affordable monthly payment.

5 Things You Need to Know About the Flexible Financial Solutions Application:

  • Full service lending (through SunTrust) and lease-purchase options (through Microf). One stop shop!*
  • A FAST and EASY online or mobile application process.
  • Real-time approval decisions in most cases with more opportunity for an approval.
  • Flexible options to meet consumers’ needs across a broad credit spectrum including low monthly payment, 0% intro APR promotions, deferred payment, or lease purchase for good or below average credit.**
  • Completely focused on the HVAC Industry. HVAC systems are one of the largest expenses for homeowners, averaging between $5,000-$8,000 for a replacement system.***

Flexible Financial Solutions offers:

  • Low monthly payment and 0% intro APR options for qualifying clients**
  • Solutions for customers with good credit or below average credit
  • A FAST and EASY online application process with an instant decision in most cases
  • No prepayment or early payment penalties

Standard financing options:

  • 5 year 6.99-16.99%
  • 10 year 7.99-19.99%

Flexible financing options:

  • No interest, no payments for 6 months. 77 month term 8.99-19.99%
  • No interest for 12 months with minimum monthly payment. 0% for 12 months, 8.99-19.99% for 67-73 months

DortCredit

Dort Federal logo
DortCredit is a convenient option for obtaining a personal loan for payments towards participating retailers for everything from medical procedures to home repairs. [Note: DortCredit is not a credit card or line of credit]
Applying for DortCredit Point of Sale Financing only takes a few minutes and you’ll get a credit decision almost immediately.
DortCredit Point of Sale Financing offers the following loan options:
Installment Loans – with fixed rates, fixed terms and fixed monthly payments.*
Dort Federal Credit Union Platinum Visa Card – beyond the original purchase at your provider, use this card anywhere that accepts Visa.
You may even qualify for a 0% rate for 6, 12, 18 or 24 months!**
Disclosures
* Subject to credit approval. See providers for details.
** Subject to approved excess availability and those who qualify for the 0%
Incentive Offer. Some providers may not offer 0% Incentive Loans. Be sure to ask your provider what options they offer through DortCredit Point of Sale Financing.

Need HVAC Service?

Contact the experts at Kapala Heating & Air Conditioning.

Call us at 810-664-8865!


Kapala Heating & Air Conditioning proudly provides HVAC service to Almont, Columbiaville, Hadley, Imlay City, Lake Orion, Lapeer, Metamora, North Branch, and Oxford, MI, and the surrounding communities. Visit our service area page for more coverage details, call us at 810-664-8865, or request service online today.