Financing

When unexpected HVAC issues arise, Watts offers financing to make sure you get the products and services you need, when you need them. We have a variety of great financing options available to our customers, including HVAC-specific financing from Optimus, traditional lending from Ally, and a Bryant credit card from Wells Fargo. To help you decide which lender is right for you, review the terms and perks of each below. Watts is always working for our customers, and we have negotiated with these lenders to provide you with the best financing options possible.


Optimus Financing offers easy, no-hassle financing created specifically for HVAC and home improvement purchases. With pathways that cover a wide range of credit profiles through one single application, Optimus provides the fastest process for customer credit approval and project funding. Additionally, by entering a few pieces of key information, Optimus can complete a soft credit pull to determine your best chance for approval before you complete an application.

The perks:

  • 9.99% APR for up to 180 months with low monthly payments
  • No interest if paid in full within 12 months
  • No interest with equal monthly payments for 6 months
  • Financing options for all credit scores as low as 620

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Ally Lending is on a mission to give you the most straightforward, easy, and efficient financing in the industry. Their financing gives you the option to pay over time for products and services, so you don’t have to put your life on hold.

The perks:

  • Pre-qualify quickly with no impact to your credit
  • View instant customized financing offers
  • Select a monthly payment that works for your wallet
  • Finalize your loan with no down payment
  • Experience dedicated support throughout the life of your account

All loans are unsecured personal loans originated by Ally Bank, Member FDIC and Equal Housing Lender.

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Buy now and pay over time with 18-month special financing with approved credit. A Bryant® credit card through Wells Fargo is an easy and convenient way to pay for your Bryant® purchases. Plus, as a Bryant® cardholder, you can enjoy other great benefits throughout the year.

The perks:

  • Special promotional offers where available
  • Revolving line of credit that you can use over and over again
  • Quick credit decision
  • Convenient monthly payments to fit your budget
  • Easy-to-use online account management and bill payment options

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Watts is always here to help. Reach out to us with any questions or to find out what these financing options might look like for your new HVAC system. Contact us today at 503-744-5066 or online.