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Serving Minneapolis, St. Paul and the surrounding areas



Freedom Heating & Air Conditioning offers three different financing options for our HVAC products. If you have any questions about these financing options, call us at 612-306-6400.

HFS Financial

HFS Financing is able to provide:

  • 60 Second Loan Application
  • Rates start at 3.99% (Max APR is 24.99%)*
  • Up to $150,000*
  • No Equity Required
  • Minimum Term: 3 Years | Maximum Term: 15 Years
  • Any Home Project Can be Included
  • All 50 States*
  • No Prepayment Penalty
  • No Deposit or Down Payment Required
  • Tax Deductible Loans Available*
  • Money Funded to Consumer
  • Loan application will not impact credit score

Spruce Financial

Spruce Financial is a local lender dedicated to supporting residential home improvement contractors by providing flexible, efficient and attractive consumer financing products for their customers to access. Kilowatt Financial is able to provide:

  • Loan Amounts Up To $30,000
  • Flexible Loan Terms = Affordable Payments
  • No Application Fees, No Closing Costs, No Penalty for Prepayment Fast and Easy Process

Apply with Spruce Financial Here

GreenSky Finacial