Flexible Financing for Your Home Comfort
Don't let cost stand between your family and home comfort. With flexible financing options through Wells Fargo, you can get the HVAC or plumbing service you need today and pay over time.
Financing provided through Wells Fargo • Equal Housing Lender • Matco Services does not offer credit
Quick & Easy ApplicationSpecial Financing OffersConvenient Monthly PaymentsNo Pressure, Just Options
About Us
Flexible Financing for Your Home Comfort Needs
We understand that HVAC systems and plumbing repairs represent significant investments. Whether you're facing an unexpected emergency or planning a system replacement, financing can help you get the service your family needs without financial stress.
At Matco Services, we've partnered with Wells Fargo to offer flexible financing options that give you the freedom to invest in your home's comfort and safety on terms that work for your budget. Our approach to financing matches our education-first philosophy: we'll explain your options clearly, answer all your questions honestly, and let you decide what makes sense for your situation.
"Comfort should never be a luxury. Financing ensures that cost doesn't become a barrier to your family's safety and comfort. We'll help you understand your options, but the decision is always yours."
— Michael Hollman, Owner & PresidentFinancing isn't required—we offer competitive cash pricing as well—but for many families and businesses, the ability to spread costs over time makes necessary HVAC and plumbing services more accessible. Whether you need emergency repairs, scheduled maintenance, or a complete system replacement, financing options are available to help.
When Financing Makes Sense:
Emergency Repairs
Your AC fails during a Texas summer. Get comfortable immediately and pay over time.
System Replacement
Spread the cost of a new, energy-efficient HVAC system into manageable monthly payments.
Energy Efficiency Upgrades
Invest in high-efficiency equipment that pays for itself through lower utility bills.
Plumbing Projects
Finance water heater replacement, repiping, or other significant plumbing work.
Wells Fargo Home Projects® Credit Card
Our primary financing partner, offering flexible payment options for your HVAC and plumbing needs.
Key Benefits
Revolving Line of Credit
Use your credit line for multiple projects over time. Pay it down and use it again for future HVAC or plumbing needs.
Special Financing Offers
Promotional financing periods with reduced or deferred interest available on qualifying purchases. Ask about current offers.
Convenient Monthly Payments
Spread the cost of your project into manageable monthly payments that fit your budget and cash flow.
Easy Online Management
Manage your account online or through the Wells Fargo mobile app. View statements, make payments, and track your balance anytime.
How It Works
Quick Application
Complete a simple application online or in person during your service appointment. The process takes just minutes.
Fast Approval Decision
Receive a credit decision quickly—often within minutes—so you can move forward with confidence.
Get Your Service
Once approved, we can proceed with your HVAC or plumbing service immediately. No waiting, no delays.
Manage & Pay
Make convenient monthly payments online or by mail. Manage your account anytime through Wells Fargo’s online portal.
Special Financing Offers
Wells Fargo Home Projects offers promotional financing periods on qualifying purchases. These special offers can include reduced interest rates or deferred interest for a specific time period.
Example Promotional Offer:
No interest if paid in full within 12, 18, or 24 months on qualifying purchases*
Ask your Matco Services technician or office staff about current promotional offers. Special financing availability and terms vary based on creditworthiness and purchase amount.
Apply for Wells Fargo Financing*Subject to credit approval. Minimum monthly payments required. See Wells Fargo for complete terms and conditions. Wells Fargo Home Projects credit card is issued by Wells Fargo Bank, N.A., an Equal Housing Lender.
Why Financing Makes Sense
Preserve Your Savings
Keep your emergency fund intact for true emergencies. Financing lets you spread HVAC and plumbing costs over time while maintaining your financial safety net.
Energy Efficiency Pays Back
New, high-efficiency HVAC systems can reduce your energy bills by 20-40%. Monthly savings can offset or exceed your financing payments, effectively paying for the upgrade.
Prevent Bigger Problems
Financing necessary repairs now prevents small issues from becoming catastrophic failures. A financed $500 repair today beats a $5,000 emergency replacement tomorrow.
Increase Home Value
New HVAC systems increase home resale value. Financing the upgrade now can yield returns when you sell, while enjoying comfort in the meantime.
Budget with Confidence
Fixed monthly payments make budgeting easier than unpredictable repair costs. You'll know exactly what to expect each month.
Get What You Need Now
Don't wait months or years to save up for necessary service. Get comfortable immediately and pay over time that works for your situation.
Example Investment Analysis:
Scenario: Replace 15-year-old AC system with high-efficiency model
- System Cost: $7,500
- Financed over 24 months: ~$313/month*
- Estimated Energy Savings: $75-125/month
- Net Monthly Cost: $188-238/month after savings
- Added Benefits: Improved comfort, better air quality, increased home value, warranty coverage
*Example only. Actual payment depends on interest rate and terms. Energy savings vary by usage and local utility rates.
Frequently Asked Questions
We understand you may have questions about financing. Here are answers to the most common concerns we hear from customers:
What credit score do I need to qualify?
Wells Fargo considers various factors beyond just credit score, including income, employment, and overall creditworthiness. While there's no published minimum score, customers with fair to excellent credit typically qualify. We encourage you to apply—you won't know until you try, and checking won't hurt your credit score until you accept an offer.
Will applying for financing hurt my credit score?
Checking your financing options involves a "soft inquiry" that won't affect your credit score. Only if you decide to proceed and accept a credit offer will there be a "hard inquiry" that appears on your credit report. This is standard for all credit applications and the impact is typically minimal and temporary.
What can I use financing for?
Wells Fargo Home Projects financing can be used for any HVAC or plumbing service we provide, including: system installations and replacements, major repairs, emergency services, plumbing projects (water heaters, repiping, etc.), indoor air quality improvements, and maintenance program memberships. Both residential and commercial customers can use financing.
How quickly can I get approved?
Most customers receive a credit decision within minutes of completing the application. In some cases, additional verification may be needed, which could take 24-48 hours. Once approved, we can typically proceed with your service immediately—even for emergency situations.
What interest rate will I pay?
Interest rates are determined by Wells Fargo based on your creditworthiness and current market rates. Promotional financing offers may include periods with reduced or 0% interest if paid in full within the specified timeframe. Your specific rate will be disclosed before you accept any credit offer—you're never obligated to proceed if the terms don't work for you.
Can I pay off my balance early?
Yes! There are no prepayment penalties. You can pay extra toward your principal at any time or pay off the entire balance early without any fees. This can save you money on interest charges over the life of the credit.
What if I don't qualify for financing?
If Wells Fargo financing isn't an option, we'll work with you to find alternatives. We offer competitive cash pricing, can discuss payment plans for certain situations, and can help you prioritize which services are most critical for your immediate needs. Our goal is to help you get the service you need, regardless of your financing situation.
Is financing available for commercial customers?
Yes, both residential and commercial customers can apply for financing. Commercial projects often involve larger amounts and may have different terms. For commercial financing needs, we recommend contacting us directly to discuss your specific project and explore all available options.
Still have questions? Our team is happy to explain financing options in detail with no obligation.
How to Apply for Financing
Applying for financing is quick and easy. You have three convenient options:
Apply Online Now
Complete the Wells Fargo application online at your convenience. Takes just a few minutes and you'll receive a credit decision quickly.
Apply Online with Wells FargoOpens Wells Fargo application in new window
Apply During Your Appointment
Our technicians can help you apply during your service visit. They'll guide you through the process and answer any questions.
Schedule Your Service
Call Us for Assistance
Prefer to talk through your options first? Call us and we'll explain the financing process and help you decide if it's right for you.
Call (972) 292-1880What You'll Need to Apply:
- No pressure to finance—it's always your choice
- Employment and Income Information
- Estimated Project Amount (we can help with this)
After You Apply:
Credit Decision: Typically within minutes
Review Terms: Review and accept (or decline) offer
Get Service: We proceed with your HVAC or plumbing work
Make Payments: Manage account online, pay monthly
Still Have Questions?
We understand that financing decisions can feel overwhelming. Our team is here to help you understand your options with no pressure and no obligation.
Whether you're wondering about approval likelihood, trying to understand special offers, or just want to talk through your specific situation, we're happy to spend time answering your questions. Our education-first approach extends to financing—we want you to feel completely confident in your decision, whatever that decision is.
Call Us
Speak with our friendly team who can answer financing questions and schedule your service.
Call (972) 292-1880Office Hours: Monday-Friday, 8:00 AM - 5:00 PM
Text Us
Prefer texting? Send us a message and we'll respond during business hours.
Text (972) 292-1880Our Commitment to You:
- No pressure to finance—it's always your choice
- Clear, honest explanations of all options
- Competitive cash pricing always available
- Your comfort and confidence come first
Ready to Get Started?
Whether you're ready to apply for financing now or want to schedule service and discuss options in person, we're here to help make your home comfort goals affordable and achievable.
Schedule Service First
Not ready to apply yet? Schedule your service and we can discuss financing options during your appointment.
Schedule ServiceTalk to Our Team
Have questions or want to discuss your specific situation? Call us and we'll walk you through everything.
Call (972) 292-1880Apply for Financing Online
Quick application, fast decision, and you can proceed with service immediately upon approval.
Apply Online NowOpens Wells Fargo application in new window
Family-Owned Since 1974 • Serving North Texas with Integrity and Excellence