Wade's Heating & Cooling | Dependable HVAC Services in Goodells

Michigan Saves Residential Financing

Loan application

Apply online at michigansaves.org/loancenter

Wade’s Heating & Cooling
Michigan Saves Contractor ID# 204350
Please select the lender of your choice.

Loan decision in minutes

Approved: An approval email is sent to the homeowner. Work with the lender to complete membership and loan documents. Work can begin once the lender receives the completed documents.

Declined: Add a co-borrower or choose another method of payment.

Pending review: The lender needs additional information and will contact you directly.

Certificate of completion

Once the job is completed to your satisfaction, sign the certificate of completion. This releases the project funds to your contractor.

Residential
financing facts

Loan type

Unsecured, personal loan

Eligible improvements

Measures prequalified by Michigan Saves, or those recommended by a whole-home energy assessment

Amounts

$1,000 up to $75,000

Terms

Flexible between one and 15 years

Rates

Fixed. See this month’s rate sheet below, or ask us for current rates.*

Who’s eligible?

Owners of most primary and secondary residences

*Rates and further details also available at michigansaves.org

What your monthly payment could look like

Rates effective September 1–30, 2026

Amount financed	15-year term	10-year term
$5,000	about $44/mo	about $56/mo
$7,500	about $66/mo	about $84/mo
$10,000	about $88/mo	about $111/mo
$15,000	about $131/mo	about $167/mo
$20,000	about $175/mo	about $222/mo

Estimates only, for qualified buyers on approved credit. Based on the lowest rates on the Michigan Saves residential rate sheet effective September 1–30, 2026: 6.49% APR over 180 months and 5.99% APR over 120 months, which require top-tier credit. Your actual rate, term and payment depend on the lender you select, your credit, and the amount financed — rates on the current sheet range from roughly 5.99% to 7.75% APR. Loans under $5,000 are limited to one year of term per $1,000 financed, so shorter-term payments will be higher. Financing available from $1,000 up to $75,000. Lender availability varies by county. There are no annual or early repayment fees. Rates change monthly — ask us for the current sheet. Wade’s Heating & Cooling is a Michigan Saves authorized contractor, not a lender, and does not make credit decisions.