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An Empire State Plumbing technician reviewing flexible payment plan options with a homeowner at their kitchen table

Flexible Payment Plans

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.

Upfront, flat-rate pricing
Satisfaction guaranteed
Financing available
Locally & family owned
Licensed & InsuredSame-Day ServiceFamily-Owned since 2006
Licensed & Insured
Family-Owned Since 2006
Same-Day Service

Affordable monthly payments

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.

$0Down-payment optionson approved plans, set by your lender
1 CallTo get set upour office team handles the rest with you
MinsTo a credit decisionmost answers come back the same day
$0Prepayment penaltypay it off early, no fee

Simple from start to finish

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.

An Empire State Plumbing technician reviewing flexible payment plan options with a homeowner at their kitchen table

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.

Real homeowners

What Capital Region homeowners say

The Empire State Plumbing owners standing together in front of a branded service van at the Nassau, NY shop

Our financing partners

Two trusted lenders, your choice of plan

ESP 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

(518) 482-4205Ask us about Acorn Finance on your call.
Service Finance

Most chosen for replacements

One dedicated project lender

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

(518) 482-4205Ask us about Service Finance on your call.

Same-Day Approval

Most credit decisions come back the same day

  1. 1Call
  2. 2Decision
  3. 3Schedule
Empire State Plumbing office staff member ready to help schedule your service

Real people set it up with you

Call (518) 482-4205 — the ESP 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.

Where it helps most

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.

Comfort now, paid your way

Ask about financing on your call — then book your ESP project. Same-day slots open across the Capital Region.

Good to know

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.
White Empire State Plumbing service van parked on a sunny tree-lined Capital Region residential street, branding and 518-482-4205 visibleWhite Empire State Plumbing service van with Quality Water Division branding parked on a sunny tree-lined Capital Region residential street

Schedule now

Book Your Service, Ask About Financing

Tell us what's going on and when works for you. A real ESP 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
Rather talk to someone?(518) 482-4205
Request your bookingTakes about 60 seconds

We never share your information. For a same-day emergency, calling is fastest.

Ready to get started? Ask about financing on your call.

Book your project or call (518) 482-4205 — we'll walk you through the payment plans that fit the job.