Financing

Flexible Financing for Your Puget Sound Home

A new system or major repair shouldn't mean a financial emergency. Financing changes the shape of the payment — not the price, and not the quality of the work — so you can get the system that's right for your home, not just what fits this month's budget. Qualified homeowners can review Eco's current GreenSky® options and spread the cost into comfortable monthly payments when approved.

Current GreenSky options
Fast online application
No prepayment penalty

Apply for Financing Estimate my monthly payment

With approved credit · GreenSky® financing · Questions? Call (206) 970-1031

Two Eco Electric, Plumbing, Heating & Air technicians beside a wrapped Eco service van

Apply for financing

GreenSky options your tech can review with you on site

Review the current GreenSky financing options below, then choose the plan that fits your project. Applications open in GreenSky's secure application flow and final terms are set by the program lender.

Apply for Financing Compare Plans

Fast application

Apply online from the GreenSky plan button.

Plan choices

Options are shown for dealer plans 1069, 1509, and 2613.

Credit approval

All credit decisions and terms come from the program lender.

Plan comparison

GreenSky Financing Plans

Step through the current dealer plan details before choosing the application button that matches your project.

Option 1 of 3

0% for 6 months / 9.99% for 120 months

GreenSky Plan 1069

Rate Structure: Mixed rate 0% for 6 months / 9.99% for 120 months

Full Terms: Plan 1069. 8.94% APR based on 0.00% promotional interest rate for 6 months ("Promo Period") followed by fixed interest rate of 9.99% for 120 months based on the amount financed and other amounts owed.

Payment Example: Monthly payments are not required during the Promo Period. For example, assuming the credit limit is used on loan approval date and no payments are made during Promo Period, for every $1,000 financed, 6 monthly payments of $0.00 at an interest rate of 0%, followed by 120 monthly payments of $13.21 at a fixed interest rate of 9.99%.

Legal Disclosures & Fine Print

Subject to credit approval. These examples are estimates only. Actual payment amounts based on amount and timing of purchases. Call 866-936-0602 for financing costs and terms. Loans for the GreenSky consumer loan program are offered and made by federally insured, federal or state chartered financial institutions providing credit without regard to age, race, color, religion, national origin, gender, disability, or familial status. GreenSky Servicing, LLC services the loans on behalf of your lender, NMLS #1416362 (www.nmlsconsumeraccess.org). GreenSky is a registered trademark of GreenSky, LLC and is licensed to banks and other financial institutions for their use in connection with that consumer loan program. GreenSky Servicing, LLC is a financial technology company that manages the GreenSky consumer loan program by providing origination and servicing support to banks and other financial institutions that make or hold program loans. GreenSky, LLC and GreenSky Servicing, LLC are not lenders. All credit decisions and loan terms are determined by program lenders.

How financing works

Three simple steps from estimate to a comfortable monthly payment.

1
Get your estimate

Tell us about your project — repair, replacement, or upgrade. We give you a clear, upfront price before any work begins.
2
Pick a plan & apply

Choose the GreenSky® plan that fits your budget and apply online or by phone. Most homeowners get a decision in minutes.
3
Approved? We get to work

Once you're approved, we schedule your project — often same-week — and you pay over time in comfortable monthly payments.

Financing

Do it all at once — and let your home pay you back

Build your project below. See how a high-efficiency system lowers your bills, and how bundling HVAC, plumbing, and electrical into one financed plan beats paying — and waiting — three separate times.

1. Choose what to take care of

Heating & AirReplace an aging system before it fails on the coldest day.$12,000–$20,000

Lasts ~18–20+ yrs · est. ~$70/mo lower bills

PlumbingTankless water heater — endless hot water, lower bills.

Electrical200A panel & service upgrade — capacity for everything above.

2. Pick a payment option

Estimated monthly payment

$159–$264/mo

That’s about $5–$9 per day.

Project total (1 trade): $12,000–$20,000
Est. monthly bill savings: − $70/mo
Effective net monthly: $89–$194/mo

High-efficiency pays you back

It adds about $40–$66/mo to the payment but saves an estimated $45/mo more on energy — and lasts years longer with fewer repairs.

Get pre-qualified See all financing options

Estimates only, with approved credit. Real terms via GreenSky® at your quote.

Why take care of everything together?

One payment, not three
Bundle HVAC, plumbing, and electrical into a single, predictable monthly payment instead of juggling separate bills.
One project, one disruption
We coordinate every trade in one scheduled window — your home is back to normal faster, with one team accountable.
Whole-home scope, one project
Electrical, plumbing, and HVAC planned together — panel capacity, venting, and equipment sized as one system instead of three separate afterthoughts.
Systems that pay you back
High-efficiency equipment lowers your monthly bills — those savings can offset a real chunk of the payment.
We handle the rebates & paperwork
We find every utility rebate and tax credit you qualify for and file it for you — so you keep the savings without the hassle.
No more emergency repairs
Replace on your terms, not during a breakdown — and stop pouring money into aging systems that keep failing.

Choose the plan that works for you

Eco's current GreenSky® application buttons are shown above. Use this summary to understand when each type of option may fit before choosing a plan.

0% intro, then fixed

Popular

0% APR for the first 6 months with no payments, then 9.99% APR for 120 months.

Best for: Breathing room before payments begin.

Reduced rate · 180 months

Lowest payment

Reduced 10.99% APR for 180 months.

Best for: The lowest possible monthly payment.

No interest · 12 months

No interest if paid in full within 12 months (with monthly payments during the promo period).

Best for: Paying it off fast, interest-free.

GreenSky® program plans (e.g. 1069, 1509, 2613). Examples are estimates only; actual terms depend on creditworthiness and are set by the program lender.

Why finance with Eco?

Keep your savings intact

Handle an urgent repair or a planned upgrade without draining your emergency fund or maxing a credit card.

The right system, not the smallest one

Financing changes the shape of the payment, not the scope of the work — get the system that's right for your home, not just what fits this month's budget.

Efficiency that pays you back

High-efficiency heat pumps, water heaters, and panels lower your monthly bills — the savings can offset much of the payment.

One project, one payment

Bundle electrical, plumbing, and HVAC into a single, predictable monthly payment instead of juggling separate bills.

Learning Center

Use Learn and Evaluate guides before financing

The right financing plan starts with the right project scope. Review trade-specific guides first so your monthly payment matches long-term value.

Heating & Air

Learn the basics

All Heating & Air learn guides →

Compare & decide

Heating & Air decision guides

Plumbing

Learn the basics

All Plumbing learn guides →

Compare & decide

Plumbing decision guides

Electrical

Learn the basics

All Electrical learn guides →

Compare & decide

Electrical decision guides

Why homeowners use these guides

Plain-English answers about what's going on and what your options are.
Honest repair-vs-replace comparisons with real cost ranges.
Written for Puget Sound homes — our weather, utilities, and older houses.
Backed by our licensed techs and updated from real jobs in the field.

All Learn guides All Evaluate guides Code Corner Glossary

Financing FAQs

How does home financing through Eco work?

We partner with GreenSky® to offer home-improvement loans. You choose a plan, apply online or by phone, and—if approved—pay for your project in fixed monthly payments instead of all at once. We give you the price and a reference number before you apply.

What can I finance?

Almost any residential project we do—HVAC repair or replacement, heat pumps and ductless mini-splits, water heaters, repiping, sewer and water lines, panel upgrades, EV chargers, generators, and more across electrical, plumbing, and HVAC.

How fast is approval?

GreenSky® decisions are typically returned in minutes when you apply online or while we're with you. Approval is subject to credit, and final terms are set by the program lender.

Is there a prepayment penalty?

No. You can pay your loan off early at any time. With the no-interest promotional plans, paying the balance in full within the promo window means you pay no interest at all.

Will it hurt my credit to check my options?

Applying involves a credit check. Please contact us first—residential customers need a reference number from Eco before starting the GreenSky® application, and our team will walk you through it.

Who is the lender?

Loans for the GreenSky® consumer loan program are provided by Synovus Bank, Member FDIC (NMLS #408043). Eco is not a lender; all credit decisions and loan terms are determined by the program lender.

Reviews

Homeowners who financed with Eco

4.9 2,300+ reviews

5 out of 5 stars
“I was very impressed! The technician was very kind and patient and very willing to navigate the hurdles that can come with a home warranty plan. I highly recommend!”

Verified Google review
5 out of 5 stars
“Very impressed. Sam was very professional and did a very good job. Would highly recommend. He explained all my options and went above and beyond to make sure we were happy with our service.”

Verified Google review
5 out of 5 stars
“Jacob provided outstanding service, assessing the problem and implementing the solution. His interpersonal skills are excellent.”

Verified Google review

Ready to get started? Let's find your plan.

Talk to our team about your project and the right financing option — no pressure, no surprises, and an upfront price before any work begins.

Apply for Financing Call (206) 970-1031

Flexible Financing for Your Puget Sound Home

GreenSky options your tech can review with you on site

GreenSky Financing Plans

0% for 6 months / 9.99% for 120 months

10.99% APR for 180 months

No interest if paid in full in 12 months

Legal Disclosures & Fine Print

How financing works

Get your estimate

Pick a plan & apply

Approved? We get to work

Do it all at once — and let your home pay you back

1. Choose what to take care of

2. Pick a payment option

Why take care of everything together?

One payment, not three

One project, one disruption

Whole-home scope, one project

Systems that pay you back

We handle the rebates & paperwork

No more emergency repairs

Choose the plan that works for you

0% intro, then fixed

Reduced rate · 180 months

No interest · 12 months

Why finance with Eco?

Keep your savings intact

The right system, not the smallest one

Efficiency that pays you back

One project, one payment

Use Learn and Evaluate guides before financing

Heating & Air

Plumbing

Electrical

Why homeowners use these guides

Financing FAQs

Homeowners who financed with Eco

Ready to get started? Let's find your plan.

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