A payment plan for your home.

Compare your price and monthly payments before you decide.

An Etho advisor and a homeowner reviewing a printed quote together

How financing works.

1
Get your quote first
Confirm your equipment, installation scope, and full project price with your advisor.
2
Review monthly payment choices
Compare available loan terms and estimated monthly payments with your advisor.
3
Apply with the lender
Complete the lender’s application. Review your approved rate and term before signing.
4
Schedule your installation
After you sign your financing and project agreements, Etho coordinates your installation date.

Financing disclosure.

Financing is arranged through a separate lender, not Etho Home. It’s subject to credit approval, and not everyone qualifies. Any payment, rate, or term shown before you apply is an example, not an offer of credit. The lender’s agreement sets your rate and payment.

Your financing questions.

Does checking my financing options hurt my credit score?

It depends on the lender and the application stage. Before you apply, ask the lender whether it uses a soft or a hard credit inquiry.

Can I finance add-ons like a smart thermostat or air purifier?

Ask your advisor. Whether add-ons can be included in one application depends on the lender’s program.

Are there tax credits or rebates for heat pumps?

Ask your utility, your state energy office, and a tax advisor what applies to your home. Etho Home doesn’t promise any federal, state, or utility incentive.

When do my monthly payments start?

Your lender’s agreement sets the first payment date. Review it before signing, and ask the lender about anything that’s unclear.