Convenient Financing Options Available!

At Cummings Plumbing Heating and Cooling, we believe in making it convenient for our customers to afford our services. This is why we offer financing options for our customers (with approved credit) to cover the cost of the services we provide.


We proudly use GreenSky Loan Program. Its focus is simple – to help you fund the project needed. The loans are an easy and convenient way to pay for any project.

  • Up to $55,000 credit limits
  • Fast approvals
  • No pre-payment penalties
  • Friendly customer service
  • Multiple ways to make a payment
  • Affordable payment options

To apply, click on one of the 3 plans you’d like to apply for by using the Apply Now buttons above. The 3 different plans that we offer are as follows:

4063 Financing Option: 4063 is basically a “same as cash” option. If you pay off the loan within 6 months, no interest is charged. However, any remaining balance after the 6 month period will be charged between 17.99% – 26.99% (dependent on what you are approved for; interest is retroactive).

3128 Financing Option: 3128 is basically a “same as cash” option. If you pay off the loan within 12 months, no interest is charged. However, any remaining balance after the 12 month period will be charged between 17.99% – 26.99% (dependent on what you are approved for; interest is retroactive).

1969 Financing Option: 1969 offers a 9.99% APR interest rate and the longest term period to pay back. At 96 months, it is a good option for customers who want a more affordable way to pay at a lower monthly payment.


Why should I finance my project when I can pay cash for use a credit card?

Financing a project with a loan allows you to conserve your money and equity. Typically, it offers a lower interest rate than your credit card. GreenSky also has many promotional offerings with deferred interest benefits that you may qualify for.

What type of credit is available?

GreenSky loans are unsecured with fixed interest rates. Unlike revolving credit cards, your non-promotional monthly payment and interest rate stay the same for the life of the loan.

What is the difference between a "Deferred Interest" and "Budget-Minded" loan?

A “Deferred Interest” loan would be the 4063 or 3128 plan that we have available. It’s considered “same as cash” if the loan is paid back within a specified period; known as a “promotional window”. Outside of the promotional window, the interest kicks in and is often higher than a budget-minded loan. Also, with a Deferred Interest loan, no monthly payments are due until after the promotional window expires. However, the main intent of the Deferred Interest loan is to allow you to pay off your loan before any interest kicks in. Most people will aim to make a monthly payment, paying more when they can afford to and skipping payments if needed. Any unpaid remaining balance will be subject to interest after the promotional window expires; not the full amount borrowed.

A “Budget-Minded” loan would be the 1969 plan that we have available. Although the plan starts charging interest from the time of the first purchase, the interest rate is often a lot lower than the deferred interest option.

How do I make a payment?

Payments for GreenSky loans are done through their website or by calling 1.866.936.0602. They offer convenient options, including automatic bank drafts. There is never a penalty for paying your loan off early.

How do I pay Cummings Plumbing Heating and Cooling?

Once you are approved, you will be provided with a loan agreement and issued a 16 digit account number and expiration date. Provide this number to our technician (or a member of our team) to make payment on your account. We process it as if it were a credit card.

How long do I have to use my loan?

Once you’re approved, you will have FOUR months to make your purchase. After that time period has lapsed, you will have to reapply.

When is my first payment due?

This depends on your plan and when you applied for the loan. Many deferred interest plans don’t require a payment during the promotional period. The first payment on a budget-minded plan is typically due approximately 30 days after the first purchase.

When does the Deferred Interest plan promotion window begin?

This begins at the time of the first transaction.

Still have more questions?

This information is only provided for your convenience. Although we work with GreenSky to provide financing options to our customers, we are not affiliated with them. If you have a specific question about your loan, payments, or a product/service they offer, please reach out to them directly. They will be the best person to answer your question. The best that we would be able to do is refer you to them since your account information is completely confidential and we don’t have access to it.

They may be reached via:

Phone: 1.866.936.0602

Customer Service Hours:
Monday – Saturday 6am – 1am (EST)
Sunday – 8am – 12am (EST)

Danny was great! So patient in explaining every detail of my repair.

Thank you!

Tammy C