HVAC Financing with Varsity Zone HVAC of Scottsdale

Comfort Now, Pay Later, Stress-Free HVAC 
Financing in Scottsdale 

No one should have to choose between comfort and cost. At Varsity Zone HVAC of Scottsdale, we make it easy for you to upgrade or repair your system without financial stress. Through our partnership with Greensky and SHILA, the Sustainable Home Improvement & Lending Alliance, you can enjoy a cool, comfortable home today and pay for it over time. 

Financing Partners You Can Trust

At Varsity Zone HVAC of Scottsdale, we partner with trusted financing programs that make comfort affordable — without the headaches. Two of our preferred lenders are GreenSky® and SHILA (Sustainable Home Improvement Loans of Arizona). Each serves a different purpose, but both share one goal: helping homeowners invest in reliable, energy-efficient comfort systems with flexible, fair payment options.

GreenSky® is one of the nation’s most recognized home improvement financing platforms, backed by federally insured banks and used by thousands of contractors across the U.S. They specialize in fast approvals, clear terms, and multiple loan plans for HVAC projects of any size,  from simple replacements to full system upgrades. With GreenSky, you get bank-backed financing and the confidence of working with a proven national provider.

SHILA (Sustainable Home Improvement Loans of Arizona) is a local program designed to help Arizona homeowners make smart, energy-efficient upgrades. SHILA offers flexible terms and simplified underwriting — often requiring just basic documentation for qualified applicants. It’s perfect for customers looking to reduce energy bills, improve comfort, and take advantage of Arizona’s sustainability initiatives.

Together, GreenSky and SHILA give our customers powerful choices, whether you prefer national bank financing or local Arizona support focused on sustainability and energy savings.

GreenSky® Financing Plans (Active Through Varsity Zone)Apply on your phone or through our technician’s tablet, most decisions in under a minute. No home equity required. Early payoff allowed without penalty.

SHILA – Sustainable Home Improvement 
Loans of Arizona

A local, sustainability‑focused financing program designed for Arizona homeowners making comfort and efficiency upgrades.

Loan Term: 7 years (84 months)

Fixed Interest Rate: 8.5% APR

Maximum Loan Amount: $15,000

Type: Unsecured (no lien on your home)

Eligibility: Arizona homeowners upgrading to energy‑efficient systems

Fast‑Track Approval: For borrowers with 720+ credit and 81%+ AMI — no paystubs required

Required Documents: ID, contractor quote, recent energy bill, voided check, emergency contacts

Why SHILA?

• Local underwriting and support — not an out-of-state call center.
• Focused on sustainability and Arizona’s climate challenges.
• Lower documentation requirements and transparent terms.
• Ideal for energy-efficiency and comfort upgrades.

Which Program Is Right for You?

Disclosures

Financing is provided by third‑party lenders. All loans are subject to credit approval and program terms. Promotional interest is waived if the purchase balance is paid in full within the promotional period; otherwise, interest accrues from the purchase date at the APR set by the lender. Plan availability, APRs, and terms may change without notice.

What You Can Finance with Varsity Zone HVAC?

From emergency repairs to complete system upgrades, SHILA financing can cover it all: 

• New air conditioner installation or replacement, stay cool in the Scottsdale summer heat 
• Furnace upgrades and installations, keep warm on chilly desert nights 
• Emergency HVAC repairs, get help fast without worrying about immediate costs 
• Energy-efficient equipment upgrades, reduce energy bills while increasing comfort 

Why Financing Makes Sense for Scottsdale Homeowners 

• Lower Monthly Payments, spread out the cost of your HVAC project over time instead of paying all at once 
• Energy Savings, upgrade to energy-efficient systems that reduce your utility bills every month 
• Peace of Mind, handle emergency repairs without financial stress 
• Flexibility, choose the plan that best fits your budget and long-term goals 

How To Apply 

• GreenSky: Apply directly with your Varsity Zone technician or click “Apply with GreenSky” on our website. Instant online approval — no paperwork.
• SHILA: Contact Varsity Zone HVAC to get prequalified for their 8.5% HVAC loan or apply directly at https://shilaaz.org/apply/

Why Partner with Varsity Zone HVAC of Scottsdale? 

• Local experts who understand the Scottsdale climate 
• Certified HVAC technicians who put your comfort first 
• Honest pricing and reliable recommendations 
• Customer first service backed by strong community trust 

By pairing our trusted HVAC service with SHILA’s financing options, we make sure your home stays comfortable year round without financial worry. 

Ready to Upgrade Your Comfort? 

Do not wait for the next heatwave or cold snap. Apply today for SHILA financing and let Varsity Zone HVAC of Scottsdale deliver comfort, efficiency, and peace of mind. 

👉 Call us now  at (480) 771-2701 or schedule online to start your SHILA financing application today.