Financing

Take advantage of these current rebates and financing incentivies for a limited time.

Flexible Financing with Service Finance

Facing unexpected home repairs or upgrades? Bellows Plumbing, Heating, Cooling & Electrical offers flexible financing options through Service Finance to help make your essential home improvements more affordable and stress-free. Whether you need major repairs or an upgrade to your HVAC, plumbing, or electrical system, we’ve got the perfect financing plan for you.

Call Bellows today to learn more about our flexible financing solutions and how they can help you complete your home improvement project!

Current Financing Plans

Our current financing options include:

Service Finance

- #1006: 6 Months, Deferred Interest with Minimum Monthly Payments – Perfect for short-term projects or unexpected repairs.

- #4126: 120 Months, 8.99% APR with Monthly Payments – Ideal for large-scale home improvement projects.

- #2003: Zero Interest, No Payment for 3 Months, 23% APR for Additional 84 Months – Great for customers who need immediate upgrades but want to delay payments for a few months.

Why Choose Bellows for Home Improvement Financing?

At Bellows Plumbing, Heating, Cooling & Electrical, we strive to make home repairs and upgrades more accessible to our customers. With our flexible financing plans, you can complete essential projects without straining your budget. Here’s why you should choose Bellows for financing:

- Easy application process

- Flexible monthly payment options

- Tailored financing plans to meet your budget

- Affordable rates and flexible terms to help you manage the cost of your repairs or upgrades

Work with our experts to find the right system for your home, then select the best financing plan to help make your purchase easier to manage.

How to Apply for Financing

Applying for financing with Bellows is simple. Once you’ve chosen your home improvement solution, our Comfort Advisors will help guide you through the Service Finance application process. You can also check your online estimate to see your financing options directly.

If you have questions about any of our financing plans, feel free to reach out to us for assistance or contact Service Finance directly at (866) 393-0033.

Terms and Conditions

- These financing plans are only available for projects directly provided by Bellows Plumbing, Heating, Cooling & Electrical.

- If another unapproved plan is selected, Bellows will be unable to accept it as a form of payment, and you will need to reapply or pay via credit card or check.

- A 10% or $1,000 downpayment (whichever is less), per California Contractor Law, is required to be paid directly to Bellows. This downpayment cannot be financed.

- Bellows does not provide or service any loans or financing directly. All financing services are managed by Service Finance. For questions about terms, fees, APR, or monthly payments, please contact Service Finance directly at (866) 393-0033.

Let Bellows handle your home repair or upgrade needs with ease. Our flexible financing options through Service Finance make it simple to complete essential plumbing, HVAC, or electrical projects without breaking your budget. Contact Bellows today to schedule your service and learn how our financing plans can help you get the job done!

Need Help? Call US!

1-877-477-7151

Premier HVAC, Plumbing, Electrical & More in Santa Cruz, San Jose & Marin

Serving Santa Cruz, Marin, Santa Clara and Sonoma counties

As a service provider with a wide range of services and over 40 years of experience, we know how important it is to work with the highest quality technicians and stay on the cutting edge of technology. Over the years, we have grown from a one-man shop in 1984 to more than 150+ amazing team members today.

Plumbing & Drains

We offer a wide range of plumbing services, including repairs, installations, and maintenance for your home.

Heating & Cooling

We offer residential heating and cooling services, including plumbing, HVAC, gas and electrical solutions for homes of all sizes.

Electrical Services

From electrical repairs to panel upgrades, our team of skilled electricians can handle all your residential electrical needs.

Commercial

Our commercial services include plumbing, heating, cooling, and electrical solutions for businesses of all sizes.

Testimonials

See why we're the
Santa Cruz, San Jose and Marin favorite!

Find out why we’re considered the favorite plumbing, heating, cooling & electrical service provider in the Bay Area by our satisfied customers!

         Posted on Google  
   
   Staffan Lofgren 
 
 
 
 Trustindex verifies that the original source of the review is Google. Cody was very professional and friendly. Bellows is the best HVAC installer we have encountered.
  
 
      Posted on Google  
   
   Cas Ellena 
 
 
 
 Trustindex verifies that the original source of the review is Google. Bellows was great, thank you for coming so fast and fixing the problem!
  
 
      Posted on Google  
   
   Bacchus Ridge 
 
 
 
 Trustindex verifies that the original source of the review is Google. Zach did a fantastic and determined job of conquering our leak from under our crawlspace. Bellows sent someone an hour after I called with a leak report, although it was the end of the day. He diagnosed the issue, got cold water working, and was back the next day with the parts for the hot. Great attitude and fabulous service. Thanks, team bellows!
  
 
      Posted on Google  
   
   Jason Barraca 
 
 
 
 Trustindex verifies that the original source of the review is Google. I received great service for my water heater. Nate was very professional and thorough.
  
 
      Posted on Google  
   
   Tom Larter 
 
 
 
 Trustindex verifies that the original source of the review is Google. Bellows is outstanding. Best communication and the techs are amazing. Polite and always stay until the Job is done. Scottie is our hero. He is so helpful, polite and fixes every thing we need. We have used Bellows for out home for the last 14 years and never had anything other than 6 star service.
  
 
      Posted on Google  
   
   Mark Scofield 
 
 
 
 Trustindex verifies that the original source of the review is Google. I give high praise to Bellows for performing three different jobs in succession. First, after being called to have a look, a Bellows troubleshooter recommended we replace our 40-year-old central furnace. We opted to respect his professional judgement. A two-man crew came and got the job done efficiently and with little disturbance. We asked for someone to have a look at our equally old shower valve. A man came to estimate the job then returned to replace it another day. Perfect! We love that we no longer wrestle with the old valve. Last, we asked that someone come to look at our home lighting. A man came to help us formulate a plan. Another two-man crew came and began work. We discussed our needs and minor changes were made to improve our environment further. In every case, we were treated courteously. When they requested permission to make changes, they were forthright and benefitted our environment. A sticking point to me, a retired craftsman, is cleanliness. Every person entering our home was professionally neat and left not the slightest dust for us after they left. I am impressed. Overall, my wife and I spoke with many people from Bellows both in person and on the phone. We would like to stress our perception that in every case, we felt we were working with a family business. That is, we were addressed courteously, and as friends, not simply clients. A few weeks on and we still marvel that we waited so long to do this work. As you see, we're glad we chose Bellows. Thanks!
  
 
      Posted on Google  
   
   rob peabody 
 
 
 
 Trustindex verifies that the original source of the review is Google. Christa from Bellows did a great job performing maintenance on our Generac. On time, proficient and explained everything prior to departure.
  
 
      Posted on Google  
   
   Wade Ang 
 
 
 
 Trustindex verifies that the original source of the review is Google. Zach LaBare was awesome and fixed the hot water issue for my mother's ADU!
  
 
      Posted on Google  
   
   Gary And Mary Elmstrom 
 
 
 
 Trustindex verifies that the original source of the review is Google. Bellows came out the next day and found and fixed the problem with the fan motor. The tech was courteous, efficient and knowledgeable.
  
 
  
  Load more

Good Times Best of Santa Cruz 2025 award

Book an appointment now

Serving Santa Cruz, Marin, Santa Clara and Sonoma counties and San Jose!

For expert plumbing, heating, air conditioning & electrical services in Santa Cruz, San Jose and Marin, pick up the phone and call us today!

Santa Cruz

831-477-7150

Marin

415-460-1264

Santa Clara

408-866-4620

Sonoma

707-244-9640

Same Day Service Available

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How did you hear about us?

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Staffan Lofgren

Cody was very professional and friendly. Bellows is the best HVAC installer we have encountered.

Cas Ellena

Bellows was great, thank you for coming so fast and fixing the problem!

Bacchus Ridge

Zach did a fantastic and determined job of conquering our leak from under our crawlspace. Bellows sent someone an hour after I called with a leak report, although it was the end of the day. He diagnosed the issue, got cold water working, and was back the next day with the parts for the hot. Great attitude and fabulous service. Thanks, team bellows!

Jason Barraca

I received great service for my water heater. Nate was very professional and thorough.

Tom Larter

Bellows is outstanding. Best communication and the techs are amazing. Polite and always stay until the Job is done. Scottie is our hero. He is so helpful, polite and fixes every thing we need. We have used Bellows for out home for the last 14 years and never had anything other than 6 star service.

Mark Scofield

I give high praise to Bellows for performing three different jobs in succession. First, after being called to have a look, a Bellows troubleshooter recommended we replace our 40-year-old central furnace. We opted to respect his professional judgement. A two-man crew came and got the job done efficiently and with little disturbance. We asked for someone to have a look at our equally old shower valve. A man came to estimate the job then returned to replace it another day. Perfect! We love that we no longer wrestle with the old valve. Last, we asked that someone come to look at our home lighting. A man came to help us formulate a plan. Another two-man crew came and began work. We discussed our needs and minor changes were made to improve our environment further. In every case, we were treated courteously. When they requested permission to make changes, they were forthright and benefitted our environment. A sticking point to me, a retired craftsman, is cleanliness. Every person entering our home was professionally neat and left not the slightest dust for us after they left. I am impressed. Overall, my wife and I spoke with many people from Bellows both in person and on the phone. We would like to stress our perception that in every case, we felt we were working with a family business. That is, we were addressed courteously, and as friends, not simply clients. A few weeks on and we still marvel that we waited so long to do this work. As you see, we're glad we chose Bellows. Thanks!

rob peabody

Christa from Bellows did a great job performing maintenance on our Generac. On time, proficient and explained everything prior to departure.

Wade Ang

Zach LaBare was awesome and fixed the hot water issue for my mother's ADU!

Gary And Mary Elmstrom

Bellows came out the next day and found and fixed the problem with the fan motor. The tech was courteous, efficient and knowledgeable.