Flexible Financing Options
Get the plumbing services you need today and pay over time with our trusted partner, Acorn Finance.
Don't Let Budget Hold You Back
Plumbing emergencies often happen at the worst times. Whether you need a new water heater, a sewer line replacement, or a major bathroom remodel, you shouldn't have to compromise on quality or delay necessary repairs.
Cotton City Plumbing partners with Acorn Finance to offer a simple, transparent way to check rates from multiple lenders without impacting your credit score. With quick approvals and competitive rates, you can get your home back in working order now and pay over time.
How It Works
1. Pre-Qualify in Minutes
Submit a simple online form to see your personalized offers. No impact to your credit score.
2. Compare Your Options
Review offers from multiple national lenders to find the best rate and monthly payment for you.
3. Get Funded
Complete your application with the lender and receive funds directly, often within 24 hours.
4. Pay Over Time
Make fixed monthly payments to the lender while we complete your plumbing project.
Estimated Monthly Payments
See what your monthly payment could look like for common plumbing projects. Actual rates and terms vary based on creditworthiness and lender.
| Service | Typical Cost | Est. Monthly Payment |
|---|---|---|
| Tank Water Heater Installation | $1,600 | $45/mo* |
| Tankless Water Heater Installation | $4,900 | $137/mo* |
| Sewer Line Replacement | $5,000 - $15,000 | $140 - $420/mo* |
| Whole-Home Repiping | $4,000 - $12,000 | $112 - $335/mo* |
| Water Treatment System | $2,000 - $5,000 | $56 - $140/mo* |
| Emergency Plumbing Repair | $500 - $2,000 | $14 - $56/mo* |
*Example based on 36-month term at 9.99% APR. Your actual rate, payment, and terms may vary based on credit approval and lender. Rates as low as 6.99% APR available for qualified borrowers.
Why Finance Your Plumbing Project?
Protect Your Home
Don't delay critical repairs that could lead to water damage, mold, or structural issues. Financing lets you act immediately to protect your biggest investment.
Preserve Your Savings
Keep your emergency fund intact for true emergencies. Financing allows you to spread the cost over time while maintaining financial flexibility.
Upgrade Sooner
Invest in energy-efficient upgrades like tankless water heaters or whole-home water treatment systems that pay for themselves over time through lower utility bills.
Financing FAQs
Common questions about our financing options
Will checking my rate affect my credit score?
No. Pre-qualifying through Acorn Finance uses a soft credit inquiry, which does not impact your credit score. Only when you formally apply with a lender will a hard credit check be performed.
What can I use financing for?
Our financing can be used for any plumbing service, including emergency repairs, water heater installations, sewer line replacements, whole-home repiping, bathroom remodels, water treatment systems, and more.
How quickly can I get approved?
Most customers receive personalized offers within minutes of submitting their pre-qualification form. Once you choose a lender and complete the application, funds are typically available within 1-2 business days.
What credit score do I need?
Acorn Finance works with multiple lenders who have different credit requirements. While higher credit scores typically receive better rates, options are available for a range of credit profiles.
Are there any prepayment penalties?
Most lenders in the Acorn Finance network do not charge prepayment penalties, but terms vary by lender. You can review all terms before accepting an offer.
Can I finance if I'm a renter?
Yes. Financing is available to both homeowners and renters. However, if you're renting, we recommend getting approval from your landlord before proceeding with major plumbing work.
