SetSale lets you choose between two ways of assigning installment plans to your quotes:
Financing AI (default) — SetSale automatically picks the best installment plan for each tier of every quote. This is the behavior you’ve always had.
Manual financing rules — You define your own rules (by tier, brand, system type, and price) that decide which installment plan becomes the default for each quote tier.
Manual rules are useful when you want predictable, repeatable financing on every quote — for example, automatically defaulting your best tier to 0% for 72 months and your better tier to 0% for 60 months — without relying on a field tech to remember to pick the right plan.
Before you start
A few things to know:
Manual rules are configured at the company level by an Owner or admin.
Rules apply at quote creation only. Editing a quote later won’t re-run the rules.
Field techs can still override the installment plan on an individual quote after it’s created, exactly like today.
Manual rules only affect standard installments. Promotional loans are not affected.
Where to find financing rules
Go to Company → Settings → Quoting → Financing.
Scroll to the Standard Installments section.
You’ll see your existing installment plans listed in a table. The table now includes a new Estimated Monthly Payment column so you can quickly compare how each plan would look to a homeowner.
Turn on manual financing rules
By default, Financing AI is on and SetSale picks the best installment for each quote.
To switch to manual rules:
In the Standard Installments section, find the Automated financing rules toggle directly beneath the installments table.
Toggle Automated financing rules off.
A new Manual Financing Rules panel appears. This is where you’ll build your rules.
You can toggle Financing AI back on at any time. When it’s on, your manual rules are ignored.
How rules work
The Financing Rules panel follows the same pattern as Markup Rules — if you’ve used those, this will feel familiar.
Each rule has:
A tier the rule applies to (e.g., Platinum, Gold, Silver, Fed min)
One or more optional conditions.
Currently we support the following:
Price (e.g., quotes over $20k)
Tier
An installment plan to use when the conditions match
Rules are evaluated top to bottom, and the first matching rule wins. We recommend putting your most specific rules at the top and your fall-back rules at the bottom.
About price-based rules: Price conditions are evaluated against the customer-facing price for the installment plan being considered — the same price the homeowner sees on the quote, including any installment dealer fee. This means a < $20k rule will match if the customer-facing price comes in under $20k, even if the pre-financing cost is slightly different.
Example: standard tier defaults
A common setup:
Order | Tier | Conditions | Installment plan |
1 | Platinum | (none) | 0% APR for 72 months |
2 | Gold | (none) | 0% APR for 60 months |
3 | Silver | (none) | 9.99% APR for 120 months |
With these three rules in place, every new quote will default to those plans for each tier — no field-tech selection required.
You can layer in more specific rules above these, for example:
Platinum tier, price ≥ $25k → reduced-rate manufacturer promo deal
Gold tier, >$15K → 0% APR for 60 months
Because the first matching rule wins, the more specific rules at the top take precedence.
Deleting installment plans
If you try to delete an installment plan that’s currently used by one of your manual financing rules, SetSale will block the deletion and show you which rule is using it.
To remove the plan, first update the rule to point at a different installment, then delete the plan. This keeps your rules valid and prevents new quotes from silently missing their default financing.
How rules show up on quotes
When a new quote is created, SetSale evaluates your rules for each tier and sets the matching installment plan as the default for that tier.
The selected plan appears on the quote just like any other default — the field tech (or your sales rep) can still change it on that individual quote if they want to.
Changes to the quote after creation (adding equipment, changing tiers, etc.) do not re-run the rules. The defaults are set once, at creation.
FAQ
Will turning on manual rules change my existing quotes? No. Rules only run when a quote is created. Existing quotes keep their current installment selections.
What happens if no rule matches a tier? That tier won’t have a default installment plan set, and the rep can pick one manually on the quote. To avoid this, we recommend always having a fall-back rule per tier with no conditions.
Can I use both manual rules and Financing AI? No — it’s one or the other. Financing AI is either on (automatic) or off (manual rules active).
Can techs still override the installment on a quote? Yes. Manual rules just set the default. Anyone with quote-edit permissions can change the installment on an individual quote, the same as today.