Austin512-893-TIDE Corpus Christi361-558-6946 Financing available After hours emergency available
Riptide Mechanical LLC logo, the word Riptide in blue with orange diagonal accents above Mechanical LLC in orange

Financing

The system does not wait for a good month.

Replacement is the one HVAC expense nobody schedules. Financing through Service Finance Company lets the work happen now and the cost spread out, from $1,000 to $100,000 depending on the plan, with rates starting at 0% APR on qualifying equipment. Subject to approved credit.

Residential HVAC and commercial refrigeration · TX License TACLA56268C

Cooling or refrigeration down right now?

After hours emergency service is available. Say it is an emergency when you call.

What you can finance

New system installation and replacement. If you are replacing equipment rather than repairing it, this is the route most people take. Ask us on the estimate and we will tell you plainly whether it applies to your job.

How it works

You apply online. It takes a few minutes, and you can do it before we ever come out or standing in your kitchen with the estimate in your hand. The decision comes back from Service Finance rather than from us. If you are approved you will see the amount and the terms you qualified for, and you decide from there.

Apply in a few minutes, on their site.

The application is handled by Service Finance Company. It opens in a new tab, and nothing on it comes back to us except whether you are approved. Subject to approved credit.

Apply for financing Get the estimate first

What the plans cover

Amounts run from $1,000 to $100,000 depending on the plan, and rates start at 0% APR on qualifying equipment. Terms vary by plan. All financing is subject to approved credit.

We do not set the terms

Service Finance Company is the lender. The rate, the term and the amount are theirs to approve. Anyone in this trade who quotes you a monthly payment before the lender has looked at your file is guessing at it. Ask us what the job costs, and let the application answer the rest.

If it is a repair, ask first

Not every job is a financing job. A capacitor on a Tuesday is not worth an application. Call the number for your side of the state, tell us what the system is doing, and we will tell you what it is likely to run before anybody talks about payments.

Financing is not the membership

These are two different things and they get mixed up often. Financing spreads the cost of new equipment across months. The Riptide Family Circle is $19.99 a month and covers maintenance on the equipment you already have, priority scheduling when everybody calls at once, and no dispatch fee on standard visits. One is how you buy a system. The other is how you keep it running.

Where we do this work

Across 24 cities in two regions. Pick yours for the local detail, or just call the number for your side of the state.

Before you book

Questions we get on the phone.

Who is the lender?
Service Finance Company, LLC. They make the credit decision and they hold the loan. Riptide is the contractor doing the work, not the lender, so the rate and the term are theirs to approve and yours to accept.
Can I apply before I have an estimate?
Yes. Some people want to know where they stand before they schedule anything, and some apply with the estimate already in front of them. Either order works.
What can I finance?
New system installation and replacement. If you are not sure whether your job qualifies, ask when you call and we will tell you before you fill anything in.
How much can I finance, and what is the rate?
Amounts run from $1,000 to $100,000 depending on the plan, and rates start at 0% APR on qualifying equipment. Terms vary by plan, and all financing is subject to approved credit. The exact plan you qualify for comes back with your approval rather than from us.
Is financing available for a business?
Ask us when we quote it. Commercial jobs vary more than residential ones and the answer depends on the equipment and the amount.
Is this the same as the Family Circle?
No. Financing spreads the cost of new equipment. The Riptide Family Circle is a $19.99 a month membership covering maintenance on the equipment you already have, priority scheduling and no dispatch fee on standard visits. One is how you buy a system, the other is how you keep it.