Flexible Payment Options

HVAC & Plumbing Financing in Springfield & Branson, MO

Caring for your home is a full-time job — without the paycheck. So when a major repair or replacement comes up unexpectedly, the cost can feel overwhelming. At Lorenz Plumbing, Heating & Air, we don’t think a tight budget should stand between your family and a safe, comfortable home. That’s why we’ve partnered with two trusted lenders — Wells Fargo and Wisetack — to make HVAC and plumbing financing simple, flexible, and stress-free.

Financing Lenders We work with

Our Hand-Picked Financing Partners

We’re picky about who we work with — and that goes for our lenders, too. We carefully vetted both Wisetack and Wells Fargo so you can move forward with confidence, whichever you choose. Each offers a slightly different path to the same goal: the home comfort you need on a budget that works for you. Compare both options below, then prequalify or apply in just a few minutes.

Wisetack Financing

We’re now offering fast and simple financing to customers on purchases between $500 and $25,000* through Wisetack.

Fast And Convenient

Quick application – see your options within seconds

No Hidden Fees

See exactly what you’ll pay right from the start

Options For You

Choose the monthly payment that works best

No Impact To Credit

Checking eligibility doesn’t impact your credit score

*All financing is subject to credit approval. Your terms may vary. Payment options through Wisetack are provided by our lending partners. For example, a $1,200 purchase could cost $104.89 a month for 12 months, based on an 8.9% APR, or $400 a month for 3 months, based on a 0% APR. Offers range from 0-35.9% APR based on creditworthiness. No other financing charges or participation fees. See additional terms at https://wisetack.com/faqs.

Branson Springfield

Wells Fargo Financing

A Wells Fargo Home Projects credit card is a convenient way to pay for the goods and services your home needs. Apply in minutes and enjoy benefits you can use all year long.

Getting started is easy:

Apply Online Today

Get A Quick Response

Card In The Mail

As a cardholder, you’ll also enjoy:

Special promotional offers where available Revolving line of credit that you can use for future purchases Convenient monthly payments to fit your budget Easy-to-use online account management and bill payment options

With Approved Credit. Ask For Details

Apply Today!

Flexible Payments That Fit Your Budget

Instead of paying for a major repair or replacement all at once, qualified homeowners can spread the cost into manageable monthly payments through both Wisetack and Wells Fargo. That means you can move forward with the heating, cooling, or plumbing work your home needs today and pay over time, on a schedule that works for your household. Rates and terms vary based on your creditworthiness and lender approval — and with Wisetack, you can prequalify online in seconds to see your options without affecting your credit score.

What You Can Finance

Financing makes the bigger investments in your home far more manageable — whether you’re planning ahead or facing a sudden breakdown. Our payment options can help cover projects like AC replacement, furnace replacement, a full HVAC system replacement, heat pumps, water heater replacement, whole-home generators, and sewer line replacement. Not sure where to start? Our team will help match the right solution to your project and budget.

Honest, High-quality work

Why Homeowners Trust Lorenz

Homeowners across Springfield and Branson keep choosing Lorenz for one simple reason — we do honest, high-quality work and stand behind it. As a locally rooted, family-led company, we’ve built our reputation on workmanship that lasts and service you can rely on, earning a 4.9 Google rating, an A+ rating with the BBB, and the loyalty of neighbors who recommend us again and again.

Talk To Our Team About Financing

smiling-team-member-lorenz-plumbing-heating-and-air-springfield-683x1024

Financing Questions, Answered

Our Client Questions

Mike Lorenz Polino

Owner & CEO

“While other home repair companies fade away, we’re still here taking care of generations of customers just like you.”

See All Questions

What financing options does Lorenz offer?

We offer two flexible paths: Wisetack and the Wells Fargo Home Projects credit card. Both let you spread the cost of your project into convenient monthly payments, so you can choose the option that fits your budget best. Rates and terms depend on the lender and your creditworthiness.

What can I use Lorenz financing for?

Financing can cover everything from smaller repairs to major investments like a new AC, furnace, water heater, generator, or sewer line replacement. If you’re not sure which option fits your project, our team is happy to help.

How do I prequalify or apply for financing?

It’s simple. Prequalify with Wisetack online in seconds, or apply for the Wells Fargo card directly from this page. Prefer a hand? Contact our team and we’ll walk you through it.

Will checking my financing options affect my credit score?

No. Checking your eligibility through Wisetack’s online prequalification does not impact your credit score, so you can explore your options with confidence.

Is financing available in both Springfield and Branson?

Absolutely. Homeowners in both our Springfield and Branson service areas can prequalify and finance their projects using the links in the section above.