SVC Financial — Dealer Partner
Comfort Now, Pay Over Time
Don't let cost stand between you and a reliable HVAC system. M&J Services partners with SVC Financial to offer flexible financing options that fit your budget.
Simple process
How It Works
Get Your Quote
Call M&J or book online. We'll assess your system and provide a written estimate.
Apply Online
Click 'Apply Now' to visit the SVC Financial portal. The application takes about 5 minutes.
Get Approved
Receive a credit decision quickly. Choose the term that works best for your budget.
We Get to Work
Once approved, we schedule your installation or repair — often same week.
Qualification
Who Can Apply?
Most homeowners qualify. The application takes just a few minutes and won't affect your credit score to check your rate.
Homeowners & Renters
Available to homeowners and renters with landlord approval for qualifying HVAC work.
New & Replacement Systems
Finance new installations, full system replacements, or major repairs over $500.
Fast Credit Decision
Get a credit decision in minutes — no waiting days for approval.
All Credit Types Welcome
Options available for a range of credit profiles. Apply and see what you qualify for.
Payment options
Financing Terms Overview
Rates and terms are set by SVC Financial and subject to credit approval. The examples below are illustrative.
0% Interest Promo
Pay no interest if paid in full within 12 months on approved credit.
Low Fixed Rate
Spread payments over 3 years with a competitive fixed interest rate.
Extended Terms
Lowest monthly payment option — ideal for larger system replacements.
Estimates
Monthly Payment Examples
Estimates based on typical Hampton Roads HVAC projects. Actual payments depend on credit approval and chosen term.
* Estimates only. Actual payments depend on credit approval, chosen term, and applicable interest rate.
Ready to Get Comfortable?
Apply through our SVC Financial partner portal or call us to discuss your options.
Financing subject to credit approval through SVC Financial. Terms, rates, and availability vary. M&J Services, LLC is not a lender. Contact us for current promotions.