Flexible Payment Plans
Plumbing & HVAC Financing
& Easy Payment Plans
Don't put off the repair or replacement your home needs. Spread the cost into low monthly payments and get the work done now.
Licensed & Insured
Family-Owned Since 2006
Same-Day Service
Comfort now, paid over time
When a water heater quits in January or an AC dies in a July heat wave, the last thing you want is to choose between your comfort and your savings. Financing lets you fix or replace what your home needs today and pay for it in low monthly installments instead of one large bill.
Homeowners most often use financing for higher-ticket work like a new tankless water heater, a furnace or boiler replacement, or a whole-home repipe. It is also there if a same-day emergency turns into a bigger repair than expected.
- $0
Down to get started
Nothing out of pocket on approved plans
- 1 Call
We set it up
No paperwork — we set it up by phone
- Minutes
To your decision
Most decisions come back in minutes
- Anytime
To pay off early
Pay it off early — never a penalty
How financing works
Four simple steps from "I can't cover this right now" to getting the work done — and you can ask about financing at any of them.
Call or book your visit
Tell us what your home needs — call (518) 482-4205 or book online. Same-day slots open across all 6 counties.
Get your upfront price
Your tech diagnoses the job and quotes a flat price before any work starts — no surprises.
Pick a payment plan
Ask about financing on your call or visit. We set up the application with you, and most credit decisions come back the same day.
Get the work done
We schedule the work — often the same visit — and your project moves forward instead of waiting on savings.
Two trusted lenders, your choice of plan
Empire State Plumbing works with two established home-improvement lenders — Acorn Finance and Service Finance — so you can choose the plan that fits your project. Ask us about financing on your call and we'll set up the right application together.
- Set up on one phone call
- Flexible monthly payment plans
- Fast credit decisions
- For repairs, replacements & installs
Acorn Finance
A network of home-improvement lenders
- Apply once — compare offers from multiple lenders
- Pick the monthly payment that fits your budget
- Checking your options won't affect your credit score
Your pick of plans
offers vary by applicant · subject to credit approval
Ask us about Acorn Finance on your call.
Service Finance
One dedicated project lender
Most chosen for replacements- Plans built for larger projects
- Covers the big jobs — heat systems, repipes, sewer lines
- Set up with our team on your call or visit
Low monthly payments
plan availability varies by project · subject to credit approval
Ask us about Service Finance on your call.
Same-Day Approval
Most credit decisions come back the same day
Real people set it up with you
Call (518) 482-4205 — the Empire State Plumbing office team walks you through both lenders and sets up the application with you.
Financing is provided by Acorn Finance and Service Finance, third-party lenders, not by Empire State Plumbing.
Know what your home needs? Book it now.
Schedule your repair or replacement today and ask about financing when we arrive. Same-day slots open across all 6 counties.
What you can finance
Financing is built for the bigger jobs. Here is where Capital Region homeowners use it most.
Water heaters
Tank or tankless replacement when the old one fails.
Furnace & boiler
Replace an aging or failing heating system before winter.
Whole-home repipe
Replace old galvanized or failing pipes throughout the home.
Sewer line repair
Excavation or trenchless sewer line repair and replacement.
Questions we hear
Financing FAQs
The questions Capital Region homeowners ask most before they apply.
Checking your rate uses a soft credit check, which does not affect your credit score. If you choose to move forward and complete a full application, the lender may run a hard credit check, which can have a small temporary impact. The lender will tell you before that happens.
On the plans our lenders offer, there is typically no penalty for paying your balance off early. Always review your specific plan terms on the lender’s site so you know your exact rate, term and any fees before you accept.
Financing is best suited to higher-ticket work like water heater and tankless installs, furnace and boiler replacements, whole-home repipes, and sewer line repairs. It can also help if a same-day emergency turns into a larger repair than expected. Ask your technician what’s eligible.
You apply with the lender securely, with our team’s help — ask us about financing on your call or during your visit and we’ll set it up together. Empire State Plumbing never collects or stores your credit information.
Not at all. Financing is just an option to make larger jobs easier on your budget. You can pay however you prefer. Book a visit or call (518) 482-4205 and we’ll give you upfront, flat pricing before any work begins.
Real homeowners
What Capital Region homeowners say
Verified Google reviews from Capital Region homeowners.
Book online
Book Your Service, Ask About Financing
Tell us what's going on and when works for you. A real Empire State Plumbing dispatcher confirms your same-day or next-available slot, and your tech can walk you through financing options on site.
- Same-day serviceOpen slots across all 6 counties
- Upfront, flat pricingApproved before any work starts
- Financing on the spotHandled securely through our financing partners
Request your booking
Takes about 60 seconds
We use your information to respond to your request and for measurement or advertising as described in our Privacy Policy. For a same-day emergency, calling is fastest.