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Financing

Mainstream Financing Offers

Get the HVAC, plumbing, or electrical work your home needs now and pay over time with flexible, low-rate financing for qualified buyers.

Schedule Service (509) 237-6483

Comfort Now, Pay Over Time

A new furnace, water heater, or electrical panel shouldn’t have to wait. Mainstream partners with a trusted national lender to offer simple, flexible financing on home repairs and installations — so you can move forward today and spread the cost into affordable monthly payments. Applying is fast, secure, and won’t obligate you to a project.

Financing Options

Most Popular

No Interest, No Payments for 6 Months

12.95% APR for an Additional 120 Months

Pay nothing for the first six months — no interest is owed when the balance is paid in full within the promotional period.

  • No payments for the first 6 months
  • No interest if paid in full within 6 months
  • 12.95% APR for 120 months after the promo period
  • Prepay any time with no penalty
Apply Now

12.95% APR for 180 Months

Fixed-Rate Financing

Spread the cost of your project over 15 years with a simple fixed rate and predictable monthly payments.

  • Fixed 12.95% APR
  • 180-month term
  • Predictable monthly payments
  • Prepay any time with no penalty
Apply Now

Our Financing Partner

Service Finance Company, LLC

Mainstream's home improvement financing is provided through Service Finance Company, LLC, a leading national lender. Applying is fast, secure, and subject to credit approval.

Financing Disclosures No Interest, No Payments ("NINP") Promotional financing available to qualified buyers at 0% APR with no payments for a set number of months as disclosed in the offer. Interest does not accrue until project is complete and third-party lender purchases the contract from your Home Improvement Dealer. No interest is owed if paid in full within promotional period. If the entire Amount Financed is not paid on or before the end of the Promotional Period, then the borrower will be responsible for paying interest, which will accrue as of the first calendar day following the Promotional Expiration Date. Interest is not charged on the principal balance paid during the promotion period, even if the loan is not paid in full during the promotional period. If a scheduled monthly payment is 31 days or more past due during the Promotional Period, the promotional offer will terminate. If you do not elect to participate in the promotional financing, APR may vary from 2.99% to 25% by state for remaining term of your financing. You may prepay your account at any time without penalty. Loan terms, including Annual Percentage Rate* ("APR"), may differ based on loan amount, term length, and your credit profile. Annual Percentage Rate is the yearly rate of interest that is owed on the loan. Minimum loan amount ranges from $500-$3,000 based on financing offer. All offers are subject to credit approval and are estimates only. Advertised rates and terms are subject to change without notice. Please review Truth in Lending Disclosures for more information. Must be at least 18 years old to qualify. Additional conditions and limitations apply. Financing offer expires in 90 days.

Ready when you are.

Same-day service across Spokane and Coeur d'Alene. Licensed in WA & ID, fully insured, satisfaction guaranteed.

Schedule Service (509) 237-6483
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