A new HVAC system is one of the largest home investments most homeowners make. We offer financing through Synchrony, Wells Fargo, and Service Finance to make sure cost doesn't stand between you and the right system.
Whether you're searching "HVAC financing near me", "0% APR AC unit financing", "AC financing bad credit Texas", "monthly payment HVAC Mabank", "furnace replacement payment plan", or "new HVAC system financing DFW" — we have a plan that fits. Most applications are approved within minutes, and the most common plan structures (12-month and 18-month 0% APR) carry no interest at all if paid within term.
Available Plans
- 0% APR for 12 months — equal monthly payments, no interest if paid in full within term
- 0% APR for 18 months — same structure, longer payoff window
- Reduced-rate 60-month financing — for whole-system replacements over $7,500
- Reduced-rate 84-month financing — for premium variable-speed systems with ductwork upgrades
How to Apply
- Schedule a free in-home estimate
- Choose the system that fits your needs and budget
- Apply during the same visit (5-minute online application)
- Approval typically in minutes
- Sign off and we schedule installation, often within a week
What Qualifies
Financing is available on:
- Full system replacements ($5,000+)
- Indoor air quality packages ($1,500+)
- Major repairs over $1,500
- Combined system + IAQ packages
HVAC Financing FAQs
Can I finance an HVAC system with bad credit?
Yes — we work with multiple lenders so we can usually find a financing path even for customers with rough credit history. Synchrony tends to be the most flexible on credit; Service Finance often approves where banks have declined. We submit applications during the in-home estimate so you know your options on the spot, no surprises.
What's the monthly payment on a new AC system?
For a typical $9,500 mid-tier system on a 0% APR 18-month plan, monthly payments run roughly $530. Stretched to a 60-month reduced-rate plan, the same system runs roughly $200–$240/month. We run real numbers during your in-home estimate so you see exact monthly payments before you sign anything.
Is HVAC financing the same as HVAC payment plans?
Yes — the terms are used interchangeably. Both refer to spreading the cost of a new HVAC system, AC replacement, furnace installation, or major repair across monthly installments rather than paying everything up front.
Do you finance furnace installation and heat pump installation too?
Yes. Financing applies to any qualifying installation work — AC installation, furnace installation, heat pump installation, mini-split installation, full HVAC system replacement, ductwork upgrades, or combined system + indoor air quality packages over $5,000. Same plan options across the board.
Want to see what you'd qualify for?
Free in-home estimate. No pressure, no commitment. We'll size your system, give you a flat-rate quote, and run pre-qualification on the spot.
Schedule Free Estimate