Fixed APR (Annual Percentage Rate)
Up to 144 months (flexible terms available)
Per $10,000 financed (144 months)
For qualified customers
System Price
$10,400
Monthly Payment
$118/mo
144 months @ 8.99% APR
System Price
$15,400
Monthly Payment
$175/mo
144 months @ 8.99% APR
System Price
$13,300
Monthly Payment
$151/mo
144 months @ 8.99% APR
System Price
$21,600
Monthly Payment
$245/mo
144 months @ 8.99% APR
System Price
$23,000
Monthly Payment
$262/mo
144 months @ 8.99% APR
Pay off your HVAC system quickly. Higher monthly payments but less total interest paid.
Example: $12,000 System
$299/month
Total Interest
~$2,352
Balanced approach with moderate monthly payments and reasonable interest cost.
Example: $12,000 System
$249/month
Total Interest
~$2,940
Most popular option. Low monthly payments make HVAC replacement very affordable for most homeowners.
Example: $12,000 System
$152/month
Total Interest
~$6,240
Lowest monthly payments. Extends payments to match typical system lifespan.
Example: $12,000 System
$136/month
Total Interest
~$7,584
Use our calculator or get a free assessment. We provide transparent pricing with no hidden fees.
Select from flexible financing options. 4-12 year terms at 8.99% fixed APR. No prepayment penalties.
Quick approval process. No credit check required for most customers. Get pre-approved in minutes.
Once approved, schedule your installation. Make your first payment after the system is installed.
Start enjoying energy savings immediately. Monthly financing payments often cost less than your savings.
Fast approval without traditional credit check. Get approved in minutes, not days.
No surprises. Your interest rate stays at 8.99% for the entire loan term.
Pay off early without penalty. Refinance or pay in full whenever you want.
Choose the term that works for your budget. 4-12 year options available.
Start enjoying your new system immediately. First payment is after installation complete.
Get approved and scheduled for installation within days, not weeks.
Monthly Payment
$206/mo
Monthly Savings
$200-250
Net Monthly
$-6 to $44
Your new energy-efficient system can save $200-250+ per month on utility bills. That means your monthly financing payment is largely — sometimes fully — covered by your energy savings, so you get a brand-new system for close to what you're already losing to an old, inefficient unit.
No credit check is required for most customers. We focus on your ability to pay rather than traditional credit scoring. Approval is typically instant.
Yes. For home improvement financing without credit check, 8.99% is competitive. Personal loans typically range from 8-36% depending on credit.
Yes, absolutely! There's no prepayment penalty. Pay off your system early and save on interest whenever you're ready.
Your first payment is due 30 days after your system installation is complete. This gives you time to verify everything is working properly.
If your loan is sold to another servicer, your terms stay exactly the same. You'll be notified and can continue making payments to the new servicer.
No. The APR of 8.99% includes everything. No origination fees, no late fees beyond standard lending practices, no surprises.
| Option | Rate | Credit Check | Term | Approval Time |
|---|---|---|---|---|
| DFW Air Cost Financing | 8.99% | No* | 4-12yr | Minutes |
| Credit Card | 18-24% | Yes | Ongoing | Days |
| Personal Loan | 10-36% | Yes | 3-7yr | 1-2 days |
| HELOC | 8-10% | Yes | Variable | 2-4 weeks |
| Home Equity Loan | 7-9% | Yes | 10-30yr | 1-2 weeks |
*No hard credit pull for qualified customers