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Financing Options

With any major purchase, getting a credit pre-approval can save you valuable time and hassle.
Modern central heating and cooling systems can vary widely in price depending on which specific comfort system best fits your needs. Since our credit partners usually approve you for the maximum loan amount, it is also a great way to know ahead of time which comfort systems are within your price range. Getting pre-approved doesn’t commit you to buy anything. It puts the power in your hands.


Well-qualified buyers can take advantage of 60 month 0% financing through the Wells Fargo Bryant Credit Card Program. Keep your own funds on hand for emergencies, vacations, or financial investments.

Bryant credit card information.


At M & M Heating and Cooling, we believe that everyone deserves to be comfortable. For example, if you live in Pontotoc, MS and find yourself facing a major repair or even if you need a whole new system, we more than likely have a payment plan that fits YOUR needs. When you click Apply for Instant Financing on the Payzer tab below, you will have several options to choose from. Select your plan, enter the amount to finance, and use the payment calculator to find a plan that fits comfortably within your budget! If you are declined by GreenSky, don’t sweat it! We can immediately submit your application to Fortiva for 2nd look financing without even pulling another credit report! Feel free to call us anytime if you have any questions about your financing options.

  • GreenSky: Plan 2185 – LOW MONTHLY PAYMENTS! (5.99% APR/144 months 1st 18 months interest only)
  • GreenSky: Plan 3128 – BUY NOW PAY NEXT YEAR! (12 months no interest/no payments)
  • GreenSky: Plan 1969 – RECOMMENDED FOR MAJOR REPAIRS OVER $500! (9.99% APR 96 months)
  • Fortiva: Standard revolving credit account (with payments)
  • Fortiva: 6-12 Month Deferred interest loan (with payments)

*The Fortiva line of credit is a revolving account. Monthly payments include finance charges based on APRs which vary depending upon the offer for which you are approved. Always read and understand all credit terms and conditions before accepting any offer for credit.

Need HVAC Service?

Contact the experts at M & M Heating and Cooling.

Call us at 662-844-0270!

M&M Heating and Cooling services Baldwyn, Fulton, Guntown, Mantachie, Mooreville, Nettleton, Saltillo, Shannon, Tupelo, Verona and the surrounding Mississippi communities with their heating and cooling needs. Visit our service area page for more coverage details, call us at 662-844-0270, or request service online today.