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Your guide to HVAC financing in Phoenix

3 min read

Technician wheeling an old condensing unit away on a dolly

Here's the offer, up front: a new system can go in with 0% down and 36 months interest free, on approved credit.

That's the whole deal. The rest of this post covers why it can make sense, and how it works when we're the ones putting the system in.

Why finance a new AC

A dead AC in July is a money shock. A new system costs a lot, and the heat doesn't wait for payday.

You get cool now

In a Phoenix heat wave, a hot house can turn unsafe fast. Financing means you don't have to wait until you've saved up.

You don't have to settle for the cheapest unit

When you're paying cash on the spot, the cheapest unit is tempting. It also tends to cost more to run every summer after.

Spreading the cost lets you pick the better system. We often suggest Trane inverter systems, built to handle Arizona heat on less power, which means lower bills for years.

Your savings stay put

A new AC can wipe out an emergency fund in one day. With a plan, that money stays there for the next surprise, and you pay a set amount each month instead.

How it works with us

  1. We come out for a free assessment. We look at your system, listen to what's going on, and tell you whether a repair or a new system makes more sense.
  2. You get a quote up front. The price we give you is the price, with no hidden fees.
  3. If you want to finance, we walk you through the plan, the monthly payment and the terms in plain words.
  4. You apply. It's on approved credit, so this is where you find out if you qualify.
  5. Once you're approved and happy with the plan, we book the installation and get your house cool again.

There's no pressure at any step. If paying in full works better for you, that's fine too. You pick what fits your budget.

Don't let the price keep you hot

A broken or worn-out AC in Phoenix is a real problem, and the cost of fixing it shouldn't keep your family in the heat.

Facing a big AC bill? Or just want a system that costs less to run? Book a free assessment and we'll price it out.

You can see everything else we do on our residential HVAC page.

Common questions

Do I have to put money down?

No. A new system can go in with 0% down and 36 months interest free, on approved credit.

Does everyone qualify?

It's on approved credit, so you apply first. We'll walk you through the plan and the terms before you do.

Do I have to finance through you?

No. It's an option, not a requirement. If paying another way works better for you, that's your call.

Get a straight answer on your system

Tell us what your AC is doing. We’ll find the cause and give you the price before any work starts.