Flexible Financing Options for Your Home Comfort Needs

Upgrade Now, Pay Later—With Confidence

At Garthwaite Energy, we know that comfort upgrades and system replacements can be a big financial decision. That’s why we’ve partnered with Watercress Financial to bring you a simple, secure, and affordable financing solution.


From heating system conversions and new AC installs to fuel equipment upgrades, we make it easy to invest in your home without paying upfront.

Person repairing a furnace with a wrench; indoor setting.
Air conditioning unit outside a brown-sided building on a concrete pad with dark gravel.

What You Can Finance

Projects between $1,000 and $75,000 may qualify, including:

  • HVAC system installations or replacements
  • Propane and oil system upgrades
  • Air conditioning and heat pump installs
  • Energy efficiency enhancements
  • Hot water heaters and boiler replacements
  • Emergency repairs and home comfort improvements

Financing Highlights

  • 0% Interest for the First 6 Months
  • Loan Terms Up to 15 Years
  • No Prepayment Penalties
  • No Impact To Your Credit Score To Apply

Interest begins on month seven, but there’s no deferred interest—if you pay it off in full within six months, you pay no interest at all.

Propane tank beside a building, flanked by red bushes, on green grass.
Two air conditioning units on a grassy lawn next to a dark brown building.

Example Payment Plan

💡 On a $10,000 loan over 180 months (15 years) at 12.65% APR:
Monthly payment = $124.24


Your actual rate may vary based on credit history. All loans are subject to approval.

Apply Now—It’s Fast, Easy & Private

Click the button below to begin your application securely through Watercress Financial. There’s no impact on your credit score unless you proceed with financing.

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Questions About Financing?

We’re happy to walk you through the process and help you determine the best option for your needs.


📍 Visit us at 1810 Post Rd, Wells, ME.
📞 Call us at (207) 646-6911.
📧 Email: info@garthwaiteenergy.com

Two HVAC technicians inspecting an outdoor air conditioning unit. One checks wiring with a meter.
Yellow propane truck driving on a road, with blue sky and trees in the background.