Financing Through WESTconsin Credit Union

Split It Into
Monthly Payments.

Financing is available on your new system through WESTconsin Credit Union — a member-owned credit union that lends directly, with fixed rates and no prepayment penalty. Apply online and they'll tell you what you qualify for.

Apply Now → (888) 762-1334

How It Works

Three Steps. No Middleman.

You apply straight to WESTconsin Credit Union for a fixed-rate personal loan. They're the lender, so the rate and terms you're quoted are the rate and terms you get — no broker in between marking it up.

Apply Online

WESTconsin's secure application, right from your phone. Have your income and ID details handy.

Get Your Decision

WESTconsin reviews the application and discloses your rate, term, and monthly payment in writing before you sign anything.

Pick Your Plan

Choose the term that fits your budget. Once your funds clear, we get your order moving.

Why WESTconsin Credit Union

Built For Big Purchases

Fixed

Personal Loan Rates

Rates as low as 11.50% APR

WESTconsin's published unsecured personal loan rates start at 11.50% APR for terms up to 48 months and 13.00% APR for terms up to 60 months. Your rate depends on your credit and is disclosed before you sign.

Fixed rate for the life of the loan
Payment never changes
Rates and terms disclosed up front

See If You Qualify

Direct

Credit Union, Not A Broker

You borrow from the lender

WESTconsin is a member-owned credit union that underwrites and services the loan itself. There's no financing platform in the middle taking a cut, and no dealer fee baked into your price.

Federally insured by NCUA
One lender, one set of terms
No dealer financing fee on our side

Apply Now

Flexible

Your Terms

Payments that fit your budget

Choose a term up to 60 months and set the payment where you want it. Pay the loan down early whenever you like — there's no prepayment penalty.

Terms up to 60 months
No prepayment penalty
Finance equipment or a full install

Get Started

The Short Version

Fixed Rate · Up To 60 Months

Apply through our WESTconsin Credit Union link, see what you qualify for, and pick the term that works. Your rep can walk you through it over the phone if you'd rather talk it out.

Apply Through WESTconsin → (888) 762-1334

Financing · FAQ

Common Questions, Straight Answers.

Who actually lends the money?

WESTconsin Credit Union. They're a member-owned, NCUA-insured credit union that underwrites, funds, and services the loan directly — not a platform that shops your application around. Your loan agreement is with WESTconsin, and every term is disclosed before you sign.

What rate will I get?

WESTconsin publishes unsecured personal loan rates as low as 11.50% APR for terms up to 48 months and 13.00% APR for terms up to 60 months. Those "as low as" rates assume top-tier credit; your actual rate depends on WESTconsin's review of your application. Rates are set by WESTconsin and can change at any time.

Will applying affect my credit score?

WESTconsin will pull your credit as part of underwriting the loan application, which can show up as an inquiry on your report. WESTconsin discloses exactly what their process involves when you apply.

Do I have to be a credit union member?

WESTconsin has membership eligibility requirements based on where you live or work. If you're not already eligible, they'll tell you during the application. If financing through WESTconsin isn't an option for you, call us at (888) 762-1334 — we'll talk through what else works.

How fast is approval?

WESTconsin sets the timeline. Once your loan funds and payment clears, we get your order moving.

Can I pay the loan off early?

Yes. WESTconsin's personal loans carry no prepayment penalty, so you can pay ahead or pay it off in full whenever you want. Confirm the specifics in your loan agreement before signing.

What can I finance?

Your full purchase — equipment, or equipment plus installation where we install. There's no markup for financing; the price is the price whether you pay in full or pay monthly.

Ready to Get Started?

Apply through WESTconsin Credit Union and see what you qualify for. No obligation to accept.

Apply Now → (888) 762-1334

Important Disclosures

Furnace Direct is a retailer, not a lender.

Financing referenced on this page is offered by WESTconsin Credit Union, an independent, federally insured (NCUA) credit union. Furnace Direct does not issue credit, receives no compensation tied to your loan, and is not responsible for membership eligibility, underwriting, approval, or servicing decisions made by WESTconsin Credit Union.

Approval not guaranteed.

All applications are subject to WESTconsin Credit Union's membership eligibility and credit qualification criteria. Approval amounts, interest rates, fees, and payment terms are determined by WESTconsin Credit Union and disclosed before you sign. Not all applicants will qualify.

Rates and terms.

APRs shown are WESTconsin Credit Union's published "as low as" unsecured personal loan rates — 11.50% APR for terms up to 48 months and 13.00% APR for terms up to 60 months — and assume the highest credit tier. Rates are set by WESTconsin Credit Union and are subject to change at any time without notice. Other rates and terms are available. Loans are consumer credit products subject to Truth in Lending Act (TILA) disclosures, including APR and finance charge.

Credit inquiries.

Applying for a loan involves a review of your credit by WESTconsin Credit Union, which may result in an inquiry reported to the credit bureaus per their policies. WESTconsin Credit Union discloses its process at the time of application.

Furnace Direct is a d/b/a of Hamlin Mechanical LLC. This page is informational and does not constitute legal, tax, or financial advice. Furnace Direct makes every reasonable effort to comply with the Americans with Disabilities Act (ADA) and the Web Content Accessibility Guidelines (WCAG 2.1 AA); if you encounter an accessibility issue, please contact us at sales@furnace.direct so we can remediate it.