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Ethan Clark Air Conditioning
Servicing all HVAC brands since 1987
Call or text--713-236-1119

Buying with 0% APR and equal payments


Applying for credit

It's really easy! While the technician is at your home, he will first ask to see your driver's license (or passport) to verify your personal identity.

He will then access a Wells Fargo website with a computer tablet he carries. You will get the tablet to enter in your--
1. E-mail address
2. Name
3. Birthdate
4. Social security number
5. Housing status (rent or own)
6. Home address
7. Telephone number
8. Yearly income.
Within a few seconds, you are approved or not approved, and the total spending limit will be stated. It is very fast.

Who qualifies for credit

There is no one characteristic, such as a good FICO score, that qualifies or dis-qualifies a person for credit. A constellation of variables is used to determine a person's credit worthiness. We do not know all of the variables as the process is a business secret.

You are encouraged to apply for credit. We have seen people with low FICO scores getting loan approvals. Loan algorithmns constantly change and what may have failed in the past now gets approved with no trouble.

Credit Card Info

The credit card is issued by Wells Fargo Bank, N.A., an Equal Housing Lender.

Monthly payments will be the amount that will pay for the purchase in full, in equal payments, during the finance period. For example, a $6000 total purchase price, financed for 60 months, gives a $100 per month payment that is to be made each and every month.

You must pay off the entire amount financed before the end of the financing period. If you do not, you will be charged 28.99% APR on the full loan amount, from the first day, for the entire finance period.

This information is accurate as of 03/31/2010 and is subject to change. For current information, call us at 713-236-1119. Purchaser will receive complete actual terms and conditions if approved for credit.