Financing Your HVAC System in Hood River
At McDowell and Son, we understand that upgrading or replacing your heat pump, furnace, or air conditioner is a significant investment. As a family-run business based in Hood River, OR, we’re committed to helping our community manage these expenses with flexible financing options. Our goal is to ensure every homeowner can enjoy the comfort and efficiency of a modern HVAC system without financial strain.
Why Homeowners Choose to Finance
Financing can help spread out the cost of a new HVAC system, allowing you to complete needed improvements now while paying over time. Many customers appreciate being able to upgrade their home comfort without delaying essential work.
Local Expertise You Can Trust
At McDowell and Son, we’re more than just a service provider; we’re your neighbors in Hood River, understanding the unique climate challenges and needs of this area. Our expertise in heat pumps, furnaces, and air conditioners ensures that you get the best advice and solutions tailored to our region.

Benefits of Financing with McDowell and Son
Financing your HVAC project with us means you can:
- Spread the cost over time with flexible monthly payments, making it simple to manage your budget.
- Benefit from competitive interest rates and flexible options designed to suit your financial situation.
- Improve your home's energy efficiency and comfort now without waiting.
How Financing Works
Applying for financing with McDowell and Son is a straightforward process:
- 1Contact Us:Reach out to our team to discuss your HVAC needs and explore financing options.
- 2Application:Fill out a simple application form online.
- 3Approval:Get quick decisions and understand what you qualify for.
- 4Project Commencement:If approved, we’ll schedule the installation or upgrade of your HVAC system.
Types of Financing Options
We offer various plans to meet different needs, including:
- Standard Financing: Traditional loan options with fixed interest rates and terms.
- Competitive Interest Plans, Special financing if the plan is paid off within a promotional period. Ask for details.
- Energy-Saving Financing: Special rates are available for upgrades that improve energy efficiency and are included in your monthly Pacific Power bill.
Frequently Asked Questions?
Yes, you can finance new installations, replacements, and major repairs for all types of HVAC systems.
Times vary, but most customers receive a decision within a few minutes of application.
We’ve teamed up with several financial institutions to offer competitive rates and will work with you to find the best option suited to your financial situation.
Yes, you can finance the entire cost of your HVAC project, including the price of the equipment and the installation services. We aim to provide comprehensive financing solutions to make the entire process as seamless and straightforward as possible.
Yes, state or federal incentives and local PUD rebates are often available for homeowners who install energy-efficient HVAC systems. We can provide information on available programs and assist you in applying for any eligible rebates or incentives to maximize your savings.
Our HVAC Financing Options
McDowell & Son offers financing with payment plans and competitive rates as well as a variety of special offers to help you get a system you will love for years to come. We will happily explain our finance options in detail and guide you through the process.
Wells Fargo
Special Financing For 18 Months With Approved Credit.
Wells Fargo Bank, N.A. offers several special options for financing your new product or service with approved credit. That way, you can invest in your home’s comfort needs without breaking your budget.
With approved credit from Wells Fargo Bank, N.A., you’ll enjoy:
- Convenient monthly payments
- Special financing terms
- Easy online account management
Plus, by taking advantage of financing, you won’t use up your existing funding sources, like a home equity line of credit, other credit cards, or bank account. They will still be available when you need them.

Craft 3
Special low-interest rates (For Energy Trust of Oregon projects that qualify for cash incentives).
Home Energy Loans to finance energy efficiency improvements
Craft3, a nonprofit lender, offers Home Energy Loans to allow homeowners to borrow the entire cost of eligible energy improvements. There are no up-front loan fees or prepayment penalties, and perfect credit is not required. Please visit Craft3’s website using this link for rates and terms to check eligibility and begin your application.