Chuck Baumer Heating and Cooling works with multiple financing partners to help Bay City area homeowners invest in new heating and cooling systems without the upfront financial burden. We will connect you with the right option – the application and approval process is handled directly between you and the lender.
Local Bay City credit union offering Personal Green Loans for energy efficiency upgrades. Member-owned, not-for-profit.
Michigan-based nonprofit lender specializing in energy efficiency financing. Chuck Baumer is an approved Michigan Saves contractor (ID #203720).
Flexible payment options from one of the nation’s leading consumer financing companies. Subject to credit approval.
What Services Can Be Financed?
Financing is available on most new installation projects including furnace installation, AC installation, heat pump installation, boiler installation, tankless water heaters, and custom ductwork. Ask us when you call for your free estimate.
Utility Rebates: Stack Your Savings After Installation
After your new system is installed, you may be eligible for utility rebates through Consumers Energy or DTE Energy. These rebates typically arrive several weeks after the job is complete – and many homeowners apply that check directly toward their loan balance to reduce their total out-of-pocket cost over time. See our full rebates and incentives page for current programs.
Frequently Asked Questions
Which financing option is best for me?
It depends on your credit profile, the loan amount, and what promotional offers are available at the time. We will walk you through all options when you call for your estimate.
Can financing be combined with utility rebates?
Yes – you finance the full installation cost upfront. Utility rebates from Consumers Energy or DTE typically arrive several weeks after installation, and many homeowners apply that rebate check directly toward their loan balance to reduce what they owe over time. See our rebates page for what may be available.
Do I have to use your financing partners?
Not at all. Many customers pay cash or arrange their own financing. Our financing partners are simply options we make available.
Call 989-684-7521 to schedule your free estimate and discuss financing options. Chuck Baumer Heating and Cooling – Bay City, MI since 1986.
Financing Available
We work with multiple financing partners to help make your new system affordable — Synchrony, Michigan Savers, and United Bay Community Credit Union (UBCCU). We'll connect you with the right option at the time of your estimate. The application and approval process is handled directly between you and the lender. Learn more about financing →
