FinancingOptions
Make clean, healthy water affordable with flexible financing options designed to fit your budget
Flexible Financing Plans
Choose the payment option that works best for your budget
0% APR for up to 12 Months
No interest for qualified buyers on purchases over $1,000
Extended Payment Plans
Low monthly payments up to 180 months for larger projects
Special Promotions
Seasonal offers and manufacturer rebates available
Why Finance With Us?
We make it easy to afford the water treatment system your family deserves
No Hidden Fees
Transparent pricing with no surprise charges or hidden costs
Easy Pre-Qualification
Get pre-approved in minutes without affecting your credit score
Multiple Payment Options
Cash, check, credit card, or financing - we accept them all
Competitive Rates
We work with top lenders to get you the best possible terms
Simple Application Process
Get approved in 3 easy steps
Choose Your System
Select the water treatment solution that best fits your needs and get a free quote
Apply for Financing
Complete our quick online application or apply over the phone with our team
Get Installed
Once approved, schedule your installation and start enjoying clean water
Frequently Asked Questions
Common questions about our financing options
What credit score do I need?
We work with a variety of lenders offering options for different credit profiles. Many customers with fair credit (640+) qualify for our financing programs.
How quickly can I get approved?
Most applications are approved within minutes. You can complete the entire application process online or over the phone.
Are there any application fees?
No. There are no fees to apply for financing, and checking rates won't impact your credit score.
Can I pay off my loan early?
Yes! All of our financing options have no prepayment penalties. You can pay off your balance at any time without extra fees.
Have more questions about financing?
How Our Water Treatment Financing Works
Water Guys partners with established consumer-finance lenders specifically focused on home improvement (Synchrony, GreenSky and Service Finance, depending on credit profile and loan size). Application is online, takes about 2 minutes, and approval is typically returned within seconds. There's no obligation to use financing once approved — many customers run the application just to confirm payment options before deciding.
Plans Available
- 0% APR for 12 months — equal monthly payments, full interest waived if paid off in the promotional window. Best for customers who plan to use a tax refund, bonus or savings to retire the balance within the year.
- 0% APR for 18–24 months — available for installs above $5,000 and qualifying credit profiles.
- Extended-term financing up to 180 months — fixed interest rate, fixed monthly payment. Useful when the goal is the lowest possible monthly payment rather than minimizing total interest.
- Reduced-rate plans — promotional rates lower than typical credit-card APR, depending on lender promotions running at the time of install.
Monthly Payments
We'll walk through monthly payment options with you on real numbers — promotional rates, loan size and credit qualification all change the answer.
ROI Math vs. Monthly Cost
For most PNW homes, the monthly savings from a properly sized water treatment system offset a meaningful share of the financed payment. A water softener typically extends water heater lifespan by 30–50% (US DOE) and reduces detergent consumption by 30–50%; a tankless water heater upgrade saves 20–50% on water-heating energy (Energy Star). Eliminating bottled-water purchases on an RO system runs $400–$800 per year for an average household. We don't claim a system "pays for itself" — but the actual out-of-pocket delta is often smaller than the financing payment.
Ready to Get Started?
Don't let budget concerns hold you back from clean, healthy water. Apply for financing today!