A new system, without the sticker shock.
Nobody budgets for a furnace dying. Financing gets your home comfortable now and spreads the cost into a payment that fits.
How it works
Apply in about five minutes from your phone or with your comfort advisor at the kitchen table. Soft credit pull for pre-qualification, decisions typically in under a minute, and the loan funds directly — you never wait on paperwork to get your install scheduled.
Current plans
0% same-as-cash for 18 months on qualifying high-efficiency systems, or fixed-rate terms from 24 to 120 months. Most new-system customers land between $89 and $180/month — often less than the energy they save each summer and winter.
Rebates and credits stack
Xcel Energy rebates, federal tax credits on qualifying heat pumps and high-efficiency equipment, and manufacturer promotions all stack on top of financing. Rosa builds every quote with the rebates already applied, and we file the Xcel paperwork for you.
No prepayment penalty
Pay it off early any time. The payment is a floor for comfort, not a ceiling on your options.