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Faq

Our goal is to provide you with the best heating, air conditioning and plumbing solutions with a payment that fits your budget.

Reliable Comfort & trusted service for Year-Round Peace of Mind

Through Service Finance, we provide very attractive promotional financing plans. Please view our three financing plan options below and click the appropriate “Apply Now” button within each plan to get started.

*Applications with data entry or credit check complications may take a longer decisioning period. **Subject to credit approval.
Are there any pre-payment penalties with your financing?

No, there are no prepayment penalties as long as the loan is fully paid off within the term you selected. For instance, if you chose a 12-month loan with 0% interest, you can pay it off at any time within those 12 months without incurring any penalties.

Yes, applying for financing through companies like GoodLeap or Service Finance typically involves a credit check, which can affect your credit score. Here’s how it usually works:

Credit Checks and Their Impact:

  1. Type of Inquiry: When you apply for financing, the lender will usually conduct a hard inquiry (or hard pull) on your credit report to assess your creditworthiness. This is a standard practice among most financial institutions.
  2. Effect on Credit Score: A hard inquiry may lower your credit score by a few points. While generally minor, the impact can vary depending on your overall credit history. The effect of a hard inquiry is temporary, typically affecting your score for about a year, though the inquiry remains on your credit report for two years.
 

For Goodleap:

Installation and Loan Disbursement:

-Project Commencement: Upon approval, the installation process for the project, such as solar panels or home renovations, can begin. GoodLeap partners with certified contractors to ensure quality service.

-Verification and Funding: Once the project is completed, GoodLeap verifies the installation through documentation provided by the contractor. After verification, the loan is funded, and the contractor is paid directly by GoodLeap. This process ensures that financing is closely tied to satisfactory project completion.

Post-Installation and Payment Initiation:

-Customer Follow-Up: About a week after the project completion and funding, GoodLeap reaches out to the customer. This follow-up call is to ensure customer satisfaction and to address any questions regarding the installation or the financing terms.

-First Payment: Typically, the first payment is due about 60 days after the loan has been funded. This gives customers ample time to adjust financially to the new expense and review the performance of the installation.

Ongoing Support and Account Management:

-Customer Service: GoodLeap offers robust customer support to address any post-installation concerns or questions about loan terms. Customers can manage their loan and make payments through GoodLeap’s online portal, which provides detailed account information and payment options.

-Flexibility and Terms: GoodLeap provides a variety of loan products with different terms and rates, including options for early repayment without penalties, which can be selected based on  the customer’s preference and financial situation.

For Service Finance:

Installation and Loan Funding:

-Project Installation: Once financing is approved, the installation of the product or service (like HVAC systems, roofing, or solar panels) can proceed. The contractor or service provider schedules and completes the installation according to the agreed terms and timeline.

-Loan Funding: After the installation is verified and all requisite paperwork is completed, Service Finance funds the loan. The contractor or service provider is paid directly by Service Finance for the work performed.

Post-Installation and Payment Schedule:

Follow-Up: Service Finance or the contractor may contact the customer shortly after the installation to ensure satisfaction and to go over any necessary details regarding the use and maintenance of the installed system.

First Payment: The typical schedule for the first payment with Service Finance is similar to other financing companies, where the first payment is due approximately 30 to 60 days after the loan is funded. The exact timing can vary based on the specific terms agreed upon at the time of loan approval.

Customer Service and Support:

-Ongoing Support: Service Finance provides customer support for any questions or issues regarding the loan. Customers can access their loan account online to manage payments, view balance information, and communicate with customer service.

 

Credit Score Requirements for Financing:

  1. Typical Minimum Score: GoodLeap and Service Finance generally require a minimum credit score around 640 to qualify for most financing options. This threshold ensures that applicants have a history of relatively responsible credit management.
  2. Variations by Loan Type: Different financing products may have different credit score requirements. For instance, higher value loans or loans for more extensive projects might require higher credit scores due to the increased risk.
  3. Interest Rates and Terms: The credit score not only affects eligibility but also influences the terms of the financing. Higher credit scores typically result in lower interest rates and better loan terms, as they indicate lower risk to the lender. Conversely, lower credit scores might lead to higher rates and more stringent terms.
  4. Comprehensive Credit Evaluation: While the credit score is a significant factor, GoodLeap, like many lenders, will also consider other aspects of your financial situation during the application process. This includes your debt-to-income ratio, employment status, and history of bankruptcies or foreclosures if any.
  5. Co-applicants: If your credit score does not meet the minimum requirement, GoodLeap may allow you to apply with a co-applicant who has a better credit score. This can help you qualify for the loan and possibly secure better terms. Can I change the Loan amount or financing plan?

For GoodLeap Financing:

  1. Before Loan Disbursement: If the loan has not yet been disbursed or the project has not started, you might have more flexibility to adjust the loan amount or change the financing plan. Contact GoodLeap as soon as possible to discuss your needs and explore available options.
  2. After Loan Disbursement: Once the loan is disbursed and the project is underway or completed, changing the loan amount or terms can be more challenging. However, it might still be possible to refinance the loan or negotiate adjustments based on your financial situation.
  3. Contact Customer Service: Reach out to GoodLeap’s customer service or your loan officer directly to inquire about the process for modifying your loan or financing terms. They can provide specific guidance and any necessary forms or documentation.

For Service Finance:

  1. Adjustments Before Installation: Similar to GoodLeap, if the financed project has not started or the loan has not been fully utilized, you may be able to adjust the loan amount or change your financing plan by contacting Service Finance directly.
  2. Post-Installation Adjustments: After the completion of the project, changes to the loan amount are typically not possible, but you may be able to renegotiate the payment plan or explore refinancing options depending on your agreement terms.
    3. Direct Communication: It’s crucial to communicate directly with Service Finance to understand any potential for changes and the implications those changes might have on your interest rates, repayment terms, and any prepayment penalties.
 

Service Finance
Goodleap
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Trust1 Services – Heating, Cooling & Plumbing FAQs

Finding the Right Equipment

How do I know which system is right for my home?

Sizing is everything.

Too large? It short cycles and wastes energy.
Too small? It runs nonstop and wears out early.

According to the U.S. Department of Energy, proper sizing improves efficiency, comfort, and system life.^1

Trust1 evaluates:

  • Square footage

  • Insulation levels

  • Existing ductwork

  • Fuel source (gas, electric, propane)

  • Local climate

We don’t guess. We calculate.

Yes. But matching matters.

A new AC paired with an old furnace can reduce performance and airflow balance. The Department of Energy recommends matched systems for optimal efficiency.^1

If both systems are over 12–15 years old, replacing together often saves more long-term.

Furnaces (AFUE)

  • 80% – Standard efficiency

  • 90–95% – High efficiency

  • 96%+ – Ultra high efficiency

ENERGY STAR reports high-efficiency furnaces can cut heating costs by up to 20%.^2

Air Conditioners (SEER2)

Higher SEER2 = lower electric bills.
If you plan to stay in your home long-term, higher efficiency makes financial sense.

Trust1 helps you balance upfront cost vs. lifetime savings.

Average lifespan:

  • Furnace: 15–20 years

  • AC: 12–15 years

  • Heat pump: 10–15 years

Maintenance extends life. Neglect shortens it fast.

Plumbing Equipment FAQs

Tank or tankless water heater?

Tank = lower upfront cost
Tankless = unlimited hot water + higher efficiency

The U.S. Department of Energy states tankless systems can be 8–34% more efficient depending on usage.^3

For larger households, tankless is often worth it.

We calculate based on:

  • Number of bathrooms

  • Simultaneous water usage

  • Appliance demand

  • Household size

Guessing leads to cold showers. We prevent that.

If you plan to stay in your home, yes.

Lower utility bills.
Possible rebates.
Higher resale value.

We’ll show you the math before you decide.

Installation FAQs – What to Expect

What happens after I approve the estimate?

  1. Equipment is ordered

  2. Installation date scheduled

  3. Permits pulled (if required)

  4. Installation performed by licensed technicians

  5. System tested and commissioned

  6. Full walkthrough provided

No surprises. No chaos.

  • Furnace replacement: 4–8 hours

  • AC replacement: 4–8 hours

  • Full HVAC system: 1–2 days

  • Water heater replacement: 2–6 hours

Complex jobs may take longer. We communicate clearly.

Yes. Removal and proper disposal are included.

Most HVAC and water heater replacements require permits.

Trust1 handles all permitting and code compliance.

No.

We protect flooring.
Seal penetrations.
Test for gas leaks.
Check airflow and refrigerant levels.

Professional installation protects your investment.

Yes. We need access to:

  • Electrical panel

  • Gas shutoff

  • Water shutoff

  • Thermostat

We’ll coordinate scheduling with you.

Typical coverage:

  • Parts: 5–10 years

  • Heat exchangers: up to lifetime

  • Labor warranty (varies by project)

We explain warranty coverage clearly before installation.

Annual professional service is strongly recommended.

The U.S. Department of Energy confirms regular maintenance improves efficiency and system lifespan.^1

Homeowners should:

  • Change filters every 1–3 months

  • Keep outdoor units clear of debris

  • Schedule annual inspections

Trust1 offers maintenance plans to protect your system.

  • Licensed, trained technicians

  • Code-compliant installation

  • Clear pricing

  • Professional communication

  • No high-pressure sales

We do it right the first time.

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FINANCING CALCULATOR

Estimate your monthly payment

Want exact numbers? Apply for financing.

This calculator provides estimates only and does not constitute a financing offer or approval. Final terms are determined by the lender at time of application.