If you have a gas water heater and have Teco gas, Teco has a program where they will install a new one and you pay $9.99 per month over 60 months. It gets added to your gas bill and there is no interest charged. So.. the total cost of installation is $600 which includes all labor and you get an interest free loan to pay it off over 5 years.
Water Heater Payment Plans - Peoples Gas