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Full Time Heating and Cooling · Watertown, MN

Financing and Maintenance That Make Sense

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Financing and Maintenance That Make Sense
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0% APR Financing for 12 Months

Need a new furnace or air conditioner but not ready to pay it all upfront? Full Time offers financing through Wisetack with 0% APR for 12 months on approved credit. The application is straightforward, approval is quick, and there are no hidden fees built into the process. Seasonal promotional rates are available as well — ask when you call.

How Wisetack Financing Works

Wisetack is a consumer lending platform designed for home services. You apply directly — no third-party runaround — and get a decision fast. Once approved, you choose a payment plan that fits your budget and pay over time rather than in a single lump sum. Full Time uses Wisetack because it keeps the process clean and the terms readable. If you want to talk through options before committing to anything, call (952) 847-3387.

What Financing Covers

Details below

Furnace Replacement

When a furnace repair estimate stops making financial sense, financing lets you move forward with a replacement without draining savings. Full Time's same two-person crew handles every installation, with Jason stopping by at completion.

Air Conditioner Installation

Spread the cost of a new AC over 12 months at 0% APR. As an AirQuest Elite Dealer, qualifying installations come with extended No Hassle Replacement coverage beyond the standard manufacturer warranty.

Major Repairs

Some furnace repairs — heat exchangers, blower motors, major components — carry a real cost. Financing keeps that cost from becoming a crisis. Full Time diagnostics first, financing second.

No-Fee Maintenance Program

The HVAC maintenance program at Full Time has no monthly dues and no annual membership fee. You sign up, you get the benefits — that's it. It's built for homeowners who want to stay ahead of breakdowns without paying for a subscription they'll forget about.

What the Maintenance Program Includes

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15% Off Parts and Labor

Every service call — repair or maintenance — comes with 15% off parts and labor for program members. That discount adds up quickly over a Minnesota winter.

Priority Scheduling

Program members move to the front of the line. During peak demand — January cold snaps, July heat waves — that matters. No waiting behind the general queue.

Maintenance Reminders

Full Time sends seasonal reminders so you don't have to track it yourself. A tuned furnace runs more efficiently and catches small problems before they become emergency HVAC calls.

No Monthly Dues

There is no recurring fee to maintain your membership. No annual renewal charge. You get the benefits because you're a Full Time customer — not because you're paying for access.

Why Maintenance Saves Money

A furnace or air conditioner that goes without service runs harder, wears faster, and is more likely to fail at the worst possible time. Regular air conditioner maintenance and furnace tune-ups keep efficiency up and repair bills down. For homeowners in Minnesota, where systems run hard for months at a stretch, that's not optional — it's practical. The 15% member discount means the program often pays for itself on a single service call.

24/7 Emergency Service — Still Available to Everyone

Financing and maintenance programs don't change the emergency line. If your furnace goes out at midnight in January, Full Time answers. Program members get priority scheduling, but emergency HVAC service is available around the clock regardless. Call or text (952) 847-3387.

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Service Area

Full Time serves homeowners and small businesses within approximately 20 miles of Watertown, MN — including Chaska, and communities throughout Hennepin, Carver, Wright, and McLeod Counties. Not sure if you're in range? Call and ask. If we can get to you, we will. See the full list of cities we serve or contact us directly.

Ready to Get Started?

Apply for Wisetack financing, enroll in the maintenance program, or just ask a question. Call or text (952) 847-3387 — or book online and pick a time that works for you. Full Time Heating and Cooling | License #MB792165 | 757 Hawthorne Ln, Watertown, MN 55388.

Or send us your info

By submitting this form you agree that we may contact you about your request.

FAQ Common questions

Frequently Asked Questions

Answers below
What financing does Full Time offer? +
Financing through Wisetack, with 0% APR for 12 months on approved credit. It's aimed at homeowners who need a repair or replacement now but would rather not pay the whole cost upfront.
How does the Wisetack application work? +
You apply directly — no third-party runaround — and get a decision quickly. Once you're approved, you choose a payment plan that fits your budget and pay over time.
Does the maintenance program have a monthly fee? +
No. There are no monthly dues and no annual membership fee. You sign up and you get the benefits: seasonal tune-ups, priority scheduling, and 15% off parts and labor on repairs.
Do maintenance program members get faster emergency service? +
Members get priority scheduling, but the emergency line itself is open to everyone. If your furnace goes out at midnight in January, Full Time answers whether you're enrolled or not.
Am I inside the service area for these programs? +
Both programs cover homeowners and small businesses within roughly 20 miles of Watertown, MN, including Chaska and communities throughout Hennepin, Carver, Wright, and McLeod counties. Call or text (952) 847-3387 if you're not sure.

Our promise

If we can repair it, we will.

No unnecessary replacements.You get the fix, not the invoice we would rather write.

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