A full panel upgrade, a whole-home rewire, or a new HVAC system is a real investment, and paying for it should not stand between you and a safe, comfortable home. Dr. Watts Electric, Heating & Air offers financing options so you can move forward with the work now and pay over time.
Ask about financing when you schedule your service, and our team will walk you through the options available for your specific project. We believe cost should never be the reason a homeowner delays a repair their home genuinely needs.
We offer third-party financing for larger electrical and HVAC projects. When you schedule your job, ask about these options and we will send you the information so you can review terms and apply before any work begins.
Third-party financing means the credit decision and repayment terms come from a lending partner rather than from Dr. Watts directly, which typically means a faster application process and options that fit a range of credit situations.
Smaller repairs, like a single outlet fix or a thermostat swap, are usually paid for the same day and rarely need financing. It is the bigger, less frequent projects where spreading out the cost makes the most practical difference.
Every project still starts with a flat-rate quote before any work begins, so you know the full cost regardless of how you choose to pay. If you decide to finance, we help you understand how the financed payment breaks down against that same upfront price.
There is no pressure to finance every job. Smaller repairs are often paid the same day, while larger installations are where most homeowners find financing genuinely useful. Either way, the quote you receive is the price you pay, with no hidden fees added at closeout.
Every job we complete, financed or not, is backed by our 100 percent satisfaction guarantee along with a one-year parts and labor warranty. Extended warranties are also available on request, so ask your technician about coverage options that fit a larger installation.
Knowing your investment is protected matters even more on a financed project, since you are committing to a payment plan for equipment or work you expect to rely on for years.
Some homeowners finance out of necessity, spreading out a cost they could not otherwise cover in one payment. Others finance by choice, preferring to keep cash available for other needs even when they could pay a project off immediately.
There is no wrong answer here. We give you the same flat-rate price either way, so the decision comes down to what works best for your household’s finances rather than anything about the project itself.
We offer a 5 percent discount for active duty military, first responders, and seniors. This discount applies in addition to whatever financing option you choose, though it cannot be combined with other offers or club discounts.
Bell County is home to a large military community near Fort Cavazos, and this discount is our way of recognizing the families who serve alongside their neighbors here.
Beyond financing, we also run ongoing specials and discounts throughout the year. Visit our Specials and Offers page for current promotions on electrical and HVAC service.
Maintenance Club members receive $25 off covered work when they spend more than $250.
Maintenance Club members receive $50 off covered work when they spend more than $2,000.
Maintenance Club members receive $200 off any covered panel change.
Because Dr. Watts handles both electrical and HVAC service, financing applies the same way whether your project is a panel upgrade, a full HVAC replacement, or a combined job that touches both systems at once. One financing conversation can cover the full scope of a larger renovation.
You describe the project and we provide a flat-rate quote
You let us know you are interested in financing
We send you the third-party financing information to review and apply
Once approved, we schedule the work at a time that fits your calendar
We complete the project and test everything before we leave, backed by our warranty
Licensed and insured for both electrical and HVAC work
Flat-rate pricing shown before any work begins
One-year parts and labor warranty on every job
100 percent satisfaction guarantee
Over 40 years serving Bell County homes
Financing is available for electrical and HVAC projects throughout Belton, Temple, Killeen, Copperas Cove, Harker Heights, Salado, and the rest of Bell County. Visit our Bell County Service Area page for details on your specific city.
When you call to schedule a larger project, let us know you are interested in financing. We will explain the third-party options available, answer questions about terms, and help you decide whether financing or paying upfront makes more sense for your situation.
There is never any obligation to finance. Some homeowners prefer to pay a project off over time even when they could pay upfront, simply to keep cash available for other needs.
We offer third-party financing. Ask about these options when you schedule your job, and we will send you the details so you can review and apply.
The 5 percent military, first responder, and senior discount cannot be combined with other offers, including certain financing promotions. Ask your technician which combination works best for your specific project.
Financing is generally most useful for larger projects like panel upgrades, full HVAC replacements, or whole-home rewiring. Ask our team whether financing makes sense for your specific project when you call.
No. Every job we complete carries the same one-year parts and labor warranty and 100 percent satisfaction guarantee, regardless of whether you pay upfront or finance the project.
Ask about financing when you schedule your service. We will send you the third-party application information so you can review terms and apply before any work begins.
Not usually. Third-party financing applications are typically processed quickly, and we can often schedule your project soon after approval, similar to a standard upfront-pay job.
Financing is available for any project, though it tends to make the most sense for larger installations rather than smaller repairs that are quick and affordable to pay for directly.
Financing is available for both residential projects and light commercial electrical or HVAC work across Bell County, so a business facing a larger panel upgrade or system replacement has the same payment flexibility as a homeowner.
Call (254) 939-3534 or schedule online. Ask about financing, warranties, and current discounts when you book your electrical or HVAC project.
