--- title: "Financing Available | Big City Plumbing & Heating" description: "Flexible home improvement financing through Regions Bank. Apply for a Traditional Installment Loan, 12-Month Same-As-Cash, or 5-Year fixed rate loan. Pre-qualify in minutes." lang: en json-ld: | { "@context": "https://schema.org", "@type": "WebPage", "name": "Financing Options", "url": "https://www.bigcityplumbing.com/financing", "description": "Flexible home improvement financing through Regions Bank.", "mainEntity": [ { "@type": "FinancialProduct", "name": "Traditional Installment Loan", "description": "Affordable fixed-rate financing with flexible repayment terms from 12 to 144 months.", "provider": { "@type": "BankOrCreditUnion", "name": "Regions Bank", "memberOf": { "@type": "Organization", "name": "FDIC" } }, "broker": { "@type": "LocalBusiness", "name": "Big City Plumbing & Heating Inc.", "url": "https://www.bigcityplumbing.com" }, "url": "https://prequalification.enerbank.com/apply/loanproduct?lenderID=10368&loanCode=DEL2622" }, { "@type": "FinancialProduct", "name": "12-Month Same-As-Cash Loan", "description": "Pay nothing for a full year — interest is waived if repaid within 365 days of first disbursement.", "provider": { "@type": "BankOrCreditUnion", "name": "Regions Bank", "memberOf": { "@type": "Organization", "name": "FDIC" } }, "broker": { "@type": "LocalBusiness", "name": "Big City Plumbing & Heating Inc.", "url": "https://www.bigcityplumbing.com" }, "url": "https://prequalification.enerbank.com/apply/loanproduct?lenderID=10368&loanCode=DEL2625" }, { "@type": "FinancialProduct", "name": "9.99% APR 5-Year Loan", "description": "Predictable monthly payments over 5 years with a competitive fixed rate.", "provider": { "@type": "BankOrCreditUnion", "name": "Regions Bank", "memberOf": { "@type": "Organization", "name": "FDIC" } }, "broker": { "@type": "LocalBusiness", "name": "Big City Plumbing & Heating Inc.", "url": "https://www.bigcityplumbing.com" }, "url": "https://prequalification.enerbank.com/apply/loanproduct?lenderID=10368&loanCode=DEL2674" } ] } --- We use cookies to analyze site traffic and improve your experience. [Privacy Policy](/privacy-policy) DeclineAccept [![Big City Plumbing & Heating](/__l5e/assets-v1/c81cc3eb-3640-451e-a656-a0664993de13/big-city-plumbing-and-heating-logo-2.png) Big City Plumbing and Heating ](/) [Home](/)[About](/about-us)Services[Projects](/projects-gallery)[Reviews](/reviews)[How-To Videos](/how-to-videos)Links[Contact](/contact-us) [CALL US!631-361-9500 ](tel:631-361-9500) [CALL US!](tel:631-361-9500) Flexible Home Improvement Financing # Flexible Financing for Your Home Project Big City Plumbing & Heating has partnered with Regions Bank to offer affordable financing options so you can get the work done now and pay over time. ![Regions Home Improvement Financing](/assets/regions-logo-Dd20HM9W.png) ## Don't Let Budget Hold Back Your Comfort Choose from three loan programs designed for home improvement projects. Click any banner below to pre-qualify — it only takes a few minutes and won't affect your credit score to check your options. [![Traditional Installment Loan](/assets/PreQualify_AsLowAs_8.99_TIL-DSeMuhvW.png) ](https://prequalification.enerbank.com/apply/loanproduct?lenderID=10368&loanCode=DEL2622) ### Traditional Installment Loan As Low As 8.99% APR Affordable fixed-rate financing with flexible repayment terms from 12 to 144 months. [PreQualify Now](https://prequalification.enerbank.com/apply/loanproduct?lenderID=10368&loanCode=DEL2622) \*Credit and loans provided by Regions Bank, Member FDIC, (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 8.99% to 24.49% fixed APR (provided however, APR will not exceed 15.99% for residents of New Jersey and 17.99% for residents of Florida and Wisconsin), subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Open line period payments due 90 days after origination and monthly thereafter during open line period. When open line period ends, the balance becomes a fixed rate installment loan; repayment terms vary from 12 to 144 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 30 days from the end of the open line period. Monthly payments vary from $11.49 to $30.27 per $1,000 borrowed depending on term and interest rate. The minimum monthly payment will be no less than $50.00. [![12-Month Same-As-Cash Loan](/assets/PreQualify_12Mo-SAC-Bsf2SoHZ.png) ](https://prequalification.enerbank.com/apply/loanproduct?lenderID=10368&loanCode=DEL2625) ### 12-Month Same-As-Cash Loan No Payments or Interest for 12 Months Pay nothing for a full year — interest is waived if repaid within 365 days of first disbursement. [PreQualify Now](https://prequalification.enerbank.com/apply/loanproduct?lenderID=10368&loanCode=DEL2625) \*Credit and loans provided by Regions Bank, Member FDIC, (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 19.99% fixed APR (provided however, APR will not exceed 15.99% for residents of New Jersey and 17.99% for residents of Florida and Wisconsin), effective as of February 2026, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Interest waived if repaid in 365 days from first disbursement. When open line period ends, the balance becomes a fixed rate installment loan; repayment terms vary from 24 to 132 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 365 days after first disbursement. If no payments made during same-as-cash period and APR of 19.99%, monthly payments vary from $21.99 to $30.82 per $1,000 borrowed depending on term. The minimum monthly payment will be no less than $50.00. [![9.99% APR 5-Year Loan](/assets/PreQualify_9.99-5Yr-CyRpunaw.png) ](https://prequalification.enerbank.com/apply/loanproduct?lenderID=10368&loanCode=DEL2674) ### 9.99% APR 5-Year Loan Fixed 9.99% APR — 60-Month Term Predictable monthly payments over 5 years with a competitive fixed rate. [PreQualify Now](https://prequalification.enerbank.com/apply/loanproduct?lenderID=10368&loanCode=DEL2674) \*Credit and loans provided by Regions Bank, Member FDIC, (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 9.99% fixed APR, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Open line period payments due 90 days after origination and monthly thereafter during open line period. When open line period ends, the balance becomes a fixed rate installment loan; repayment term is 60 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 30 days from the end of the open line period. 60 monthly payments of $21.69 per $1,000 borrowed. The minimum monthly payment will be no less than $50.00. ## Have Questions About Financing? Our team can help you choose the right option for your project. [Call Us: 631-361-9500](tel:631-361-9500) ![Big City Plumbing & Heating](/__l5e/assets-v1/c81cc3eb-3640-451e-a656-a0664993de13/big-city-plumbing-and-heating-logo-2.png) Big City Plumbing and Heating Licensed & insured plumbing and heating professionals serving New York since 1988. #### Quick Links - [Home](/) - [Services](/plumbing-services) - [About](/about-us) - [Reviews](/reviews) - [Blog](/blog) - [Contact](/contact-us) - [Financing](/financing) #### Services - [Plumbing Repair](/services#plumbing-repair) - [Heating Systems](/services#heating-systems) - [Tankless Water Heaters](/services#tankless-water-heaters) - [Gas Conversion](/services#gas-conversion) - [Emergency Services](/services#emergency-services) #### Contact - 631-361-9500 - 718-326-5833 (NYC) - Nassau, Suffolk & NYC [](http://www.facebook.com/bigcityplumbing?ref=tn_tnmn%20/bigcityplumbing.heating)[](https://www.instagram.com/bigcityplumbingandheating/)[](https://x.com/bigcityplumbing)[](https://www.linkedin.com/profile/view?id=AAkAAAUWvLUB1msy7omBhpMetwl7zMHANsC8wzs)[](http://www.yelp.com/biz/big-city-plumbing-and-heating-centereach)[](https://www.youtube.com/channel/UC8fcDyolqilmFXHt8pg377Q) © 2026 Big City Plumbing and Heating. 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