Get it DONE.
Pay it monthly.
0% interest for 18 months on new water heaters, heating & air systems, sewer lines and plumbing installs.
Same-Day Approval on most applications.
Payments As Low As
$58/mo
New water heater, installed*
Wally T. Waterdrop
- No Credit Score Effect
- Apply Online in Minutes
- Apply From Home
The breakdown didn’t ask your budget first.
Water Heaters quit without warning! Sewer lines clog around the Holiday Season! And The Furnace fails in Winter! Long Term Repairs & Upgrades deserve Long Term Payment Programs.
Financing shows up on every proposal we write, for every job we quote — a water heater install, a sewer line replacement, a new heating system or A/C install. Offers run from 0% for 18 months up to 180-month programs. You choose the one that fits the month.
Yes, we accept Credit Cards & No, we don’t charge an Extra Fee!
Mastercard, Visa, Amex and Discover. Checks too.
Paying up front instead? There’s usually a coupon.
- See your optionsNo credit score effect.
- Apply online in minutesIn the privacy of your home.
- Same-day approvalPick the term that fits the month.
- Work can startOnce you're approved and scheduled.
Example monthly costs, with approved credit.*
Financing on every proposal, every job. Here is what three of the most common installs look like spread over 120 months.
Payments As Low As
$58/mo
New water heater, installed and financed.
Example: $3,500 at 15.49% APR, 120 months, with approved credit.
Payments As Low As
$132/mo
Sewer line replacement, done right, paid monthly.
Example: $8,000 at 15.49% APR, 120 months, with approved credit.
Payments As Low As
$205/mo
New heating and cooling system.
Example: $12,500 at 15.49% APR, 120 months, with approved credit.
On New Installs
0% for 18 months
New water heaters, heating & air systems, sewer lines and plumbing installs.
Same-Day Approval. Work can start as soon as you’re approved.
Apply in minutes. Start the same day.
- See your options with no credit score effect. Apply online in minutes.
- Same-day approval. Work can start as soon as you're approved.
- Terms from 60 to 180 months. Or 0% for 12 or 18 months on qualifying installs.
Estimate your payment
Move the Slider,
See Your Monthly.
Two lenders. Pick the one that fits the job.
Both applications are online and take 13 minutes or less. Not sure which one? Call us and we’ll point you at the right one.
Bridge Loan Specialists
0% options for a tax refund or a maturing CD. Good for repairs and single-unit replacements.
Prequalify with no impact to your score
Large Project Specialists
0% options for a tax refund or a maturing CD. Built for whole-system and dig-and-replace work.
See an estimated payment scenario first
Want to talk it through first?
Share a couple times and days to call you & we’re happy to help.
Live Answering 7A-5P M-F
Frequently Asked Questions about Financing Plumbing, Heating, Air & Drains Projects
In short: Pronto finances water heater, sewer line, heating and air conditioning installs near Harrisburg, York and Lancaster. Checking your options uses a soft credit check with no effect on your credit score, most approvals come back the same day, and terms run from 0% for 18 months up to 180 months.
Does applying for financing hurt your credit score?
No. Checking your options with Pronto uses a soft credit check, which does not affect your credit score. A hard credit pull happens only after you accept a lender’s offer. From then on, the loan reports like any new account.
What does a new water heater cost per month?
About $58 a month. A $3,500 water heater install financed at 15.49% APR over 120 months comes to roughly $58 per month with approved credit. An $8,000 sewer line is about $132 a month, and a $12,500 heating and air system about $205.*
Can you finance a water heater install in Central PA?
Yes. Pronto Plumbing, Heating, Air & Drains offers financing on every install it quotes for homeowners near Harrisburg, York and Lancaster — water heaters, tankless units, sewer and water lines, furnaces, air conditioners, heat pumps, well pumps and water softeners.
How fast is financing approval?
Same day, in most cases. The online application takes 13 minutes or less, most applicants get a decision the same day, and work can be scheduled as soon as the approval comes back.
How long are the financing terms?
60 to 180 months on term loans. Promotional plans run 0% interest for 12 or 18 months on qualifying installs. Longer terms lower the monthly payment; shorter terms cost less in total interest. Long-term upgrades deserve long-term payment programs.
Can you get financing with bad credit?
Often, yes. Blemished credit is common, and Pronto offers Credit Rebuilder financing on equipment installs for exactly that situation. Start with the soft credit check — it costs nothing and does not affect your score. Pronto exhausts every option to get the work done.
Which lender should you use?
It is your choice, and Pronto works with two. Synchrony suits repairs and single-unit replacements; GoodLeap suits whole-system and dig-and-replace projects. Offers change often, so just ask us.
Does financing change the warranty on a new install?
No. The same exclusive guarantees up to 12 years apply whether you pay up front or monthly, and the VIP maintenance plan protects the investment up to 10 years.
Financing Applies to These Installs
*Financing provided by third-party lenders, subject to credit approval. Payment examples assume $3,500 / $8,000 / $12,500 at 15.49% APR over 120 months. Promotional 0% plans apply to qualifying equipment installs only; ask for the lender disclosure before you sign.