Financing
Heating, plumbing, and electrical service from the local team Whatcom County has trusted since 1940.
Heating or Plumbing Emergency? We answer around the clock.
Emergency Heating & Plumbing Support
For Generations
& Insured
Available
Warranties
Emergency Heating & Plumbing Support
For Generations
& Insured
Available
Warranties
Explore Fast and Flexible Financing Options
A new furnace or a major plumbing repair isn’t something most people plan for in advance. We get that. That’s why we offer financing options built to keep necessary home repairs and upgrades within reach, without draining the accounts you rely on for everything else.
Financing lets you spread out the cost of a project instead of paying it all at once. That means you can move forward with the work your home needs now, while keeping your savings and other credit available for whatever comes next. It’s one less thing to worry about when a system fails at an inconvenient time, which in our experience is the only time systems ever fail.
Our Financing Partners
Wells Fargo
Commercial Financing
Additional Financing Options
PCCU
Puget Sound Power & Light Employees Credit Union
How Financing Works
Getting started is simpler than most people expect. You reach out to our team, we take a look at the project, and we walk you through which financing options fit your situation. From there, you apply through the lender directly, and approved credit determines your rate and monthly payment. Once approved, we move ahead with the work on the timeline that makes sense for you.
There’s no pressure and no obligation to choose the most expensive option available. Our job is to give you the full picture so you can make the choice that’s right for your household.
Financing Options Available
We work with a few different lenders so you have real choices, not just one offer.
- Wells Fargo Home Projects credit card for residential work
- Optimus Commercial Financing for business and commercial projects
- Financing through Puget Sound Power and Light Employees Credit Union
Each lender has its own terms, so we recommend reviewing the details before applying or asking our team any questions upfront.
Eligibility and Requirements
Approval is handled directly by each lender based on your credit application. Requirements vary by lender, but generally include a completed application and a credit check. We’re happy to point you toward the option that best matches your situation, though final approval decisions rest with the lender, not with us.
A Note on Our Region
Homes in Lynden, Bellingham, Marysville, and Ferndale deal with a lot of moisture year-round, and that has a way of shortening the lifespan of HVAC systems, water heaters, and plumbing fixtures. When a system does need replacing, financing can make it a lot easier to handle the timing on your terms rather than being forced into a rushed decision.
Frequently Asked Questions
Does LSM approve my financing application?
No. Financing applications are reviewed and approved directly by the lender, not by LSM.
Can I use financing for both repairs and new installations?
Yes. Financing can typically be used for repairs, replacements, and new installations depending on the lender’s terms.
Is there a fee to apply?
There’s no fee to submit an application. Terms vary by lender.
What if I have questions before applying?
Our installation experts are happy to walk you through your options before you apply.
Do you offer financing for commercial projects?
Yes, through Optimus Commercial Financing for business and commercial customers.