Skip to content 
Easy HVAC Financing Options
Enjoy Comfort Now, Pay Later
A reliable heating or cooling system shouldn’t have to wait. Our HVAC financing options give you the freedom to upgrade or repair your system today and pay over time. You can break it up into easy monthly payments that work with your budget and household needs. We’ve partnered with trusted lenders to make financing fast, secure, and stress-free. Our comfort advisors explain everything clearly so there are no surprises or hidden costs. Sub-Thermal Solutions is here to make your comfort affordable and achievable.
Alabama Power Smart Financing
Sub-Thermal Solutions proudly offers Alabama Power Smart Financing to make energy-efficient comfort simple and stress-free. This trusted program provides competitive rates, convenient payment plans, and dependable support for homeowners. With high pre-approval odds, most applicants receive quick responses without extra paperwork. You can choose from 5–10 year flexible term options to match your financial goals. Everything is handled through us, so you don’t have to deal with complicated forms or long waits.
5–10 Year Flexible Term Options for Every Home
Every homeowner has a different budget, which is why flexibility matters. Sub-Thermal Solutions gives you control with 5–10 year flexible term options tailored to your comfort and financial situation. You can enjoy lower monthly payments while still investing in a reliable HVAC system that saves energy and reduces costs over time. Long-term plans are perfect for big projects like full system replacements or upgrades. Our team helps you select the term that works best so you can stay comfortable without financial pressure.
High Pre-Approval Odds for Quick Approval
Financing your comfort shouldn’t feel difficult. With our High pre-approval odds, most homeowners can get approved quickly and move forward the same day. You won’t have to wait weeks to know if you qualify. Our application process is fast and transparent, giving you clear answers right away. Sub-Thermal Solutions partners with Alabama Power Smart Financing to keep everything simple and secure from start to finish.
Break It Up Into Easy Monthly Payments
Big comfort projects don’t have to bring big stress. With Sub-Thermal Solutions, you can Break it up into easy monthly payments that fit your lifestyle and budget. This lets you enjoy comfort upgrades like new systems, heat pumps, or mini-splits without large upfront costs. Each payment plan is customized for affordability and peace of mind. You’ll always know what to expect, with no hidden fees or surprise charges.
Why Finance With Sub-Thermal Solutions
Sub-Thermal Solutions is a trusted name for honest service and reliable financing. We care about helping families get the comfort they need through transparent programs backed with security and trust.
What you get with our financing:
- Easy application with quick decisions
- High pre-approval odds for qualified homeowners
- 5–10 year flexible term options/strong>
- Secure and trusted payment process
- Affordable monthly payment choices
Every financing option we offer includes clear terms, easy applications, and Adda trust badge with it to guarantee safe processing. Our comfort experts walk you through each step and help you pick the right plan for your home. With us, you’ll never feel pressured, only supported.
Apply Now and Enjoy Year-Round Comfort
Don’t wait to replace or repair your system, Sub-Thermal Solutions makes it easy to get started. With HVAC financing backed by Alabama Power Smart Financing, you can enjoy energy-efficient comfort without upfront strain. Apply now, and our team will help you secure the perfect plan for your home.
Stories from Customers Who Feel Like Family
Jesse and his crew are professional and dependable. He replaced a split system for me. I had an issue with getting my job approved by the City of Huntsville. This issue had nothing to do with Jesse’s work, but to do with where the unit was previously placed. It wasn’t Jesse’s issue but he took it upon himself to intercede and resolve it to my benefit. I had several bids and Jesse’s was the most thorough. He even mentioned he would need to flush the lines to remove the old refrigerant to ensure no contamination with the new product. No other bid even mentioned this small but apparently important detail. This speaks to Jesse’s thoroughness. His dedication to his customers is top notch. Jesse cares about his customers and their families. In fact his office called me up several weeks ago and wanted to set up a time for Jesse to come out and be sure the unit had no issues before it cranked up for the summer. This is a FREE inspection and speaks to Jesse’s dedication to his customers and wanting to be certain they are taken care of. If you want a professional, dependable, fairly priced, and caring HVAC team look no further than Sub Thermal Solutions!
James Deston
Google Reviews
We appreciate Jesse and his work ethic. He arrived at the agreed upon time, was fair with his pricing and did great work. He installed a split unit in one building and repaired another
unit that was installed by a different company. We’re very impressed! Highly recommend
Dowe Foreman
Google Reviews
Our heat pump started acting up this morning. We contacted Sub-Thermal Solutions, based on reviews. Jesse did not disappoint and got us up and running by this afternoon, even going out of his way to pick up the part we needed from Gadsden. Can’t thank him enough. We are new to Ft Payne and would recommend his services.
Donna Ahlers
Google Reviews
Jess and his boys all provide great service, they communicate very well with times, follow-up and details of installation while answering all your questions. Very pleased with their knowledge and service.
Tony Hammonds
Google Reviews
We had a great experience with Sub-Thermal Solutions. First , I want to start by saying I called on Fri morning at 8:30 in hopes I could be scheduled for at least Mon to get our heat checked out. Luckily my house was close to the job they had and was able to get to me that morning. They were very thorough with their decision on how to get our heat back up and running. Within no time we had a game plan and some heat. I will definitely be using them if ever needed in future.
Cathy
Google Reviews
We purchased a home with no HVAC. We chose Sub Thermal to do the job because of their stellar ratings and the friendly, professional meeting we had with Ryan. He walked through everything with us and gave us a fair quote on a big job. The fantastic crew spent 2 full days here installing our new system. They were punctual, great at communication, knowledgeable and personable. I can’t say enough about what a great team they are and how well they work together to get the job done right. I definitely recommend Sub Thermal for all of your home’s needs.
RAL A
Google Reviews
Jesse at Sub-Thermal Solutions has worked on units at personal, rental and business properties for us. Very professional and HONEST!! He has worked in the freezing cold when my 85 year old mothers heat went out. On another occasion Jesse dropped what he was doing when the central unit in my VRBO went out ( in the scorching heat) while I had guest there for a week! That’s just two examples. I could list many more reasons for my 5 start review. I would give him 10 if Google had 10⭐!! I am a hairdresser and I recommend him to anyone that mentions needing a HVAC guy !!
cooper2244
Google Reviews
Heating and Cooling Tips
Helpful insights for homeowners across Northern Alabama.
- Air Quality
Air Quality Solutions for Your Home
- Maintenance
The Importance of Seasonal HVAC Maintenance
- Upgrades
How to Save on Your Next HVAC Upgrade
FAQs About HVAC Financing
What is HVAC financing?
HVAC financing lets you spread out the cost of your new system through simple monthly payments. It helps homeowners afford comfort upgrades without paying everything upfront.
How do I apply for Alabama Power Smart Financing?
You can apply directly through Sub-Thermal Solutions. Our comfort advisors will walk you through the Alabama Power Smart Financing process step-by-step so it’s quick and clear.
Are there flexible payment terms?
Yes, we offer 5–10 year flexible term options. You can pick the term that matches your comfort goals and monthly budget.
Is it hard to get approved?
No, our high pre-approval odds make qualifying simple. Most customers get approved fast with minimal paperwork.
