Financing
Flexible Financing for Your Puget Sound Home
A new system or major repair shouldn't mean a financial emergency. Qualified homeowners can spread the cost into comfortable monthly payments through GreenSky® — with 0% APR intro options, terms up to 180 months, and a fast online decision.
- 0% APR intro options
- Terms up to 180 months
- Fast online decision
- No prepayment penalty
With approved credit · GreenSky® financing · Real terms confirmed at your quote
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
$12,000–$20,000
Lasts ~18–20+ yrs · est. ~$70/mo lower bills
2. Pick a payment option
Estimated monthly payment
$159–$264/mo
That’s about $5–$9/day — a cup of Starbucks.
- 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.
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.
Lock in today's price
Equipment and labor costs rise every year. Doing it now secures today's pricing across all three trades.
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
A range of GreenSky® plans, all with approved credit. Your final rate and term are confirmed when you apply.
0% intro, then fixed
Popular0% 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 paymentReduced 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. 9991, 1509, 1069, 2613, 4158). 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.
Lock in today's price
Equipment and labor costs rise every year. Financing lets you do the work now at today's rate and pay over time.
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.
Plumbing
Electrical
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.
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
2,200+ reviews
-
★★★★★
“Professional and knowledgeable staff. I really appreciated the service provided, with a detailed explanation of what the issue might have been.”
Verified Google review
-
★★★★★
“Levi came to my house in Redmond on time, gave me a free estimate, came back the following day also on time, and completed the work in less than 3 hours. Very professional, knowledgeable, and friendly. I will use Eco and Levi for all my future work — highly recommended.”
Redmond homeowner · Google review
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★★★★★
“Easy to schedule, clear communication as the tech was en-route. Nate was knowledgeable and helpful.”
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.
*Subject to credit approval. These examples are estimates only; actual payment amounts are based on the amount and timing of purchases. Residential customers only — please contact us before starting your application; a reference number is required. Loans for the GreenSky® consumer loan program are provided by Synovus Bank, Member FDIC, NMLS #408043, 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. 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, LLC and GreenSky Servicing, LLC are not lenders. All credit decisions and loan terms are determined by program lenders. Call 866-936-0602 for financing costs and terms.