Flexible Financing for Chimney Cleaning in Commack
When a chimney repair runs into real money, the last thing you need is a payment headache. Top Hat Chimney has been working on Long Island homes since 1999, and we’ve learned something over 29 years: a big repair doesn’t get cheaper when you put it off. Call (631) 502-3612 and talk to Wendell or one of his crew about what payment route fits your budget. We keep it simple. No fine-print traps. No surprises on the invoice.
Payment Options We Offer
Financing Plans
Some jobs, like a full chimney reline or a rebuild, are big enough that spreading the cost over time just makes sense. We work with financing providers that specialize in home service work, so you can get the flue safe now and pay it down monthly. Wendell will walk you through what’s available on a case-by-case basis. He won’t push financing on a $200 repair, but if the job runs into the thousands, he’ll make sure you know your options.
Major Credit Cards
We accept all major credit cards for every job, from a simple sweep to a full crown rebuild. Using a card gives you your own built-in protections and rewards, and we run the payment once at the end, after you’ve seen the camera footage and approved the scope. There’s no convenience fee tacked on for using plastic. The price we quote is the price you pay.
Cash and Check
Plenty of our long-time customers in Commack, Smithtown, and Huntington still prefer to write a check or pay cash when the job wraps up. That works fine with us. We’ll email you a receipt the same day, and that receipt stays on file if you ever need it for insurance purposes or a home sale disclosure down the road.
Up-Front Written Pricing
Before a single tool comes off the truck, you’ll have the number in writing. That’s not a financing gimmick; it’s just how Top Hat Chimney operates. If the camera finds something extra inside the flue, we stop, show you the footage, and hand you a revised number before any additional work begins. You approve the price, then we proceed. The number on the phone is the number on the invoice.
Simple Application Process
Applying for financing through us takes about as long as a cup of coffee. Here’s how it works.
First, talk to us. Call (631) 502-3612 and explain what’s going on with your chimney. Wendell or a member of his crew will ask a few questions about what you’re seeing, hearing, or smelling, and whether you’ve had any prior repairs.
Second, a quick pre-qualification conversation. If the scope of work looks like it warrants financing, we’ll connect you with our financing provider for a soft pre-qualification. That step typically takes a few minutes and won’t wreck your credit just to see what’s available.
Third, choose a plan and book the job. Once you know what’s available, you pick the term that matches your budget, and we schedule the work. Every completed job still carries the 90-Day Done Right Promise, financed or not.
Frequently Asked Questions
Yes. Top Hat Chimney offers financing plans for qualifying repairs, including liner replacements, rebuilds, and extensive fireplace work. The plans are handled through established home-service financing providers, not in-house credit. Call (631) 502-3612 and Wendell will talk you through what’s currently available for your specific job. Financing is a tool, not a requirement, so if the repair is small, he’ll tell you that too.
Basic identification, proof of income, and your consent for a soft credit check are typically what’s needed to see your options. You don’t need perfect credit to ask what’s available. The pre-qualification conversation happens before we book anything, so you’ll know exactly where you stand before the crew arrives in Commack. Call (631) 502-3612 and we’ll walk you through it step by step.
No. If you’re inside our service county, there’s no trip charge, and your estimate is free. Wendell and his crew will do a full inspection, run the camera if needed, and hand you a plain-English written quote with the 90-Day Done Right Promise attached. Getting the estimate doesn’t commit you to anything. Call (631) 502-3612 to book the visit.
Yes. Our standing offers, including $40 off any repair over $200 and the 10% discount for seniors and veterans, apply regardless of how you pay. The discount comes off the job price first, then financing can cover the remainder if that’s the route you choose. So a veteran who needs a $1,200 repair gets 10% off, then finances $1,080 if they want the monthly option. Call (631) 502-3612 for the exact math on your job.
Written by Wendell Pike, Owner at Top Hat Chimney, serving Commack and surrounding Long Island communities since 1999.