Flexible Financing Options for Your Comfort Needs
At Harmony Heating & Air, we believe comfort should never be delayed due to budget concerns. That’s why we’ve partnered with Regions Bank to bring you straightforward home improvement financing options—whether you’re looking to delay payments or lock in affordable monthly rates.
PreQualify with No Impact on Your Credit
Getting started is simple. With a soft credit pull, you can check your eligibility without affecting your credit score.
- Online: prequalification.enerbank.com
- Mobile App: Available on your Harmony technician’s device
- Ready to apply? Visit application.enerbank.com
Use the following when applying:
- Contractor ID: 31666
- Application Phone: (866) 409-8300
Financing Options
We offer a couple of financing solutions tailored to different needs:
12-Month Same-As-Cash Loan
- Loan Code: DLL6525
- Terms: No payments and no interest if repaid in full within 12 months
- Loan Amounts: $1,000 – $55,000
- Interest begins when funds are disbursed but is waived if fully repaid within 365 days.
*Credit and loans provided by Regions Bank, Member FDIC, (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 19.99% fixed APR (provided however, APR will not exceed 15.99% for residents of New Jersey and 17.99% for residents of Florida and Wisconsin), effective as of July 2025, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Interest waived if repaid in 365 days from first disbursement. When open line period ends, the balance becomes a fixed rate installment loan; repayment terms vary from 24 to 132 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 365 days after first disbursement. If no payments made during same-as-cash period and APR of 19.99%, monthly payments vary from $21.99 to $30.82 per $1,000 borrowed depending on term. The minimum monthly payment will be no less than $50.00.
5-Year Fixed Monthly Payment Loan – 9.99% APR
- Loan Code: DLL6558
- Loan Amounts: $3,500 – $55,000
- Estimated Monthly Payment: 0.02124 × loan amount
- 60-month term with fixed payments
- First payment due 30 days after open line period ends
*Credit and loans provided by Regions Bank, Member FDIC, (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 9.99% fixed APR, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Open line period payments due 90 days after origination and monthly thereafter during open line period. When open line period ends, the balance becomes a fixed rate installment loan; repayment term is 60 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 30 days from the end of the open line period. 60 monthly payments of $21.69 per $1,000 borrowed. The minimum monthly payment will be no less than $50.00.
Extended Term Loan – 11.99% APR (up to 12 Years)
- Loan Code: D8877
- Loan Amounts: $1,000 – $55,000
- Flexible terms ranging from 12 to 144 months
- Monthly payment varies based on term and amount
*Credit and loans provided by Regions Bank, Member FDIC, (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 11.99% fixed APR, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Open line period payments due 90 days after origination and monthly thereafter during open line period. When open line period ends, the balance becomes a fixed rate installment loan; repayment terms vary from 12 to 144 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 30 days from the end of the open line period. Monthly payments vary from $13.42 to $32.96 per $1,000 borrowed depending on term. The minimum monthly payment will be no less than $50.00.
Need Help?
If you have any questions about the application process or which loan is right for your home, our team is happy to help guide you through the options.
Let’s make your next home comfort project stress-free and affordable.