Special financing is available with approved credit for your home improvement project. Total Group partners with Service Finance Company, LLC so you can replace a failing system, finish a plumbing project, or add backup power now — and pay for it month by month.
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Every project is different, and so is every budget. Whether you want the lowest possible monthly payment or to pay the whole thing off interest-free inside a year, there is a program built for it.
Pay no interest when the balance is paid in full inside the promotional window — the fastest way to spread a large installation across a set number of months.
Stretch the project over a much longer term so the monthly payment stays as low as possible — even on a full system with ductwork.
Financing isn’t only for complete system replacements. Many programs also cover mid-size repairs and service work you’d rather not pay for all at once.
All plans are subject to credit approval by Service Finance Company, LLC. Rates, terms, and promotional periods vary by program and change over time, and interest can be assessed retroactively if a balance remains at the end of a promotional period. Call our office at (615) 577-1777 for the programs currently available on your project.
Because Total Group handles HVAC, plumbing, refrigeration, generators, and commercial mechanical under one roof, an approved financing line can cover work across all of them. Bundle the projects you’ve been putting off into a single monthly payment.
Full system swaps, heat pumps, gas furnaces, air handlers, and ductwork — the projects homeowners most often spread across monthly payments.
High-efficiency heat pump conversions and furnace replacements, including the load calculation and permit work that comes with them.
Water heaters, repipes, sewer line work, and fixture upgrades. Larger plumbing jobs finance just as easily as HVAC.
Whole-home generator installations with transfer switches and gas connections — a natural fit for a long-term plan.
Walk-in coolers, reach-ins, and ice machines for restaurants, markets, and small business owners who need equipment back online.
Rooftop units, make-up air, and multi-zone commercial work with terms structured around a business budget.
Every project is different, and so is every budget. Whether you want the lowest possible monthly payment or to pay the whole thing off interest-free inside a year, there is a program built for it.
Up to $800 on qualifying 17 SEER2 or higher heat pumps, $500 on 15–16.99 SEER2 units, and up to $1,500 on geothermal systems. Amounts are set by TVA and your local power company.
State-administered federal rebate programs can cover a large share of a qualifying high-efficiency project for eligible households. Availability and enrollment rules vary by state and funding cycle.
Our team completes the rebate documentation that goes with your installation, so the paperwork gets filed correctly the first time instead of sitting in a drawer.
Rebate amounts and eligibility are determined by TVA, your local power company, and the state program administrator, and they change over time. The federal 25C energy-efficient home improvement credit ended for equipment placed in service after December 31, 2025. Total Group is not a tax advisor — confirm current incentives with your utility, the program administrator, or a qualified tax professional.
Need more information about our financing options? Give our office a call and speak with a member of our helpful staff.
You can apply online through Service Finance Company in a few minutes, or simply call our office at (615) 577-1777 and a member of our staff will walk you through the application. If you’re already scheduled for an estimate, your comfort advisor can submit it with you during the visit.
Most applications receive a decision quickly — often within minutes — and come back with the specific plan options and monthly payment amounts you qualify for. You’ll know your numbers before any work is scheduled.
Most financing applications involve a credit inquiry, which can affect your credit score. Rate shopping can have less impact than multiple applications spread over months, so it’s worth deciding on your project before you apply.
It depends on the program. Some promotional plans require no down payment with approved credit, while others work with a smaller down payment to bring the monthly amount down. We’ll tell you which applies to your project.
Yes. Our programs don’t carry prepayment penalties, so you can make additional payments or pay the balance off in full at any time with no extra charge. If you’re on a promotional no-interest plan, wrapping it up inside the promotional window is the smartest path.
Anything from a mid-size repair up to a complete system replacement with new ductwork, and the same applies across our other divisions — plumbing, generators, refrigeration, and light commercial mechanical work.
Absolutely. Financing is simply another option, not a requirement. We accept Visa, American Express, Discover, and cash on completed work.
It isn’t the end of the conversation. We can often stage the work — a repair now and a full replacement later — or recommend a maintenance membership that keeps your current system running while you build toward a replacement. Call us and we’ll find a path forward.
Our technicians are on call around the clock — nights, weekends, and holidays.
Fill out the form and our team will respond promptly to schedule your service or provide a free, no-obligation quote.
Providing year-round comfort and reliability for homes and businesses across Middle Tennessee since 1996.
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Visa • Amex • Discover • Cash • Financing Available
