Sometimes heating and cooling systems break down at inconvenient times, and many homeowners haven’t been able to set aside enough money for such an expense. When you finance your heating and cooling system, you can get what you need right away, while being able to make comfortable payments toward your investment.
Financing generally goes through a lending agency that works with the HVAC company. The lending agency handles the financial side of the transaction, while the HVAC company provides the service.
Financing can help individuals and families get needed repairs and replacements without having to worry about paying the entire amount up front. Having to make a large purchase can be traumatic and nerve-wracking, especially if the investment means that you’ll fall behind in other important areas. By financing your HVAC needs, you can continue to enjoy livable temperatures without having to break the bank.
If you buy an energy efficient system, you’ll be saving yourself money each month in utility costs. For instance, replacing an air conditioning unit with a 10 SEER (seasonal energy efficiency ratio) with one with an 18 SEER can save you up to 48 percent in your annual cooling utility costs.
You don’t need to have perfect credit to qualify for HVAC financing. Gather the following documents so the lending institution can make a fully informed decision:
If you need to replace or repair your HVAC system and don’t have the funds to hire a contractor on your own, consider speaking with your HVAC company about financing options. Most companies understand their customers’ situations and offer finance applications as part of their regular service.
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