Comfort that fits your budget
Invest in your home’s comfort or respond to an unexpected heating and cooling need without straining your monthly budget.
A new heating or air conditioning system is one of the larger purchases a household or business makes, and it rarely comes at a convenient time. Systems fail in the middle of a heat wave or a cold snap, not when your budget has room for them. We have built relationships with financing partners so that owning a new system is convenient and a necessary replacement doesn’t have to wait.
By taking advantage of special financing, you won’t use up existing funding sources like a home equity line of credit, credit card or bank account. They stay available for when you need them.
How financing works with Heavenly Air
- Get your estimateWe offer free estimates on complete system replacement, so you know the scope and the price before you decide anything.
- Ask about financingTell us you are interested. We explain the options available and any current promotions.
- Choose what worksCompare financing with paying cash and decide what suits your budget.
- Schedule the workOnce you approve, we schedule the installation, which is backed by a 10-year parts and labor warranty on new installations.
Approval and terms are determined by the lender, and options and promotions change over time, so contact us for current details.
When financing makes the most sense
- Your system has failed and is not worth repairing. Financing lets you replace it right away instead of living without heat or air conditioning while you save.
- You want to upgrade to higher efficiency. A more efficient system costs more up front and less to run, and financing can spread the cost.
- You are building or adding on. New installations are a significant line item in a larger project.
- You run a business. Financing a commercial replacement keeps operating cash available for the business. See our commercial HVAC page.
- You would rather keep your emergency fund intact. A new system shouldn’t drain the savings you set aside for unexpected costs.
Repair or replace? Look at the whole picture
Before financing anything, it is worth knowing whether you need a new system at all. We will give you an honest comparison. As a general guide, replacement deserves serious consideration when a system is past its expected life (12 to 15 years for most air conditioners, 15 to 20 for furnaces), when repairs are frequent, when the refrigerant is obsolete, or when operating costs keep rising. If a repair is modest and the system is relatively new, repairing is usually the better value. Read more on our air conditioning replacement and heating replacement pages.
Financing questions
What can I finance?
Financing is generally used for new equipment and larger projects, such as complete system replacement, installation in a new home or addition, and commercial projects. Contact us to confirm what is available for your specific situation.
Do you offer financing for both homes and businesses?
Yes. Multiple financing options are available for both residential and commercial projects.
How do I find out which options I qualify for?
Call us or send a message. We will explain the options available and any current promotions, and you can decide whether financing makes sense. Approval and terms depend on the lender and your credit.
Will asking about financing commit me to anything?
No. We are happy to walk you through your options and provide a free estimate on replacement without any pressure.
Is financing worth it compared with paying cash?
It depends on your situation. Financing keeps cash and lines of credit available for other needs, and it can make it possible to replace a failing system right away instead of waiting. If you can comfortably pay cash and would rather not take on a payment, that is a perfectly good choice too.
Ready to talk? Call 615-200-7757 or contact us.