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No HVAC unit is designed to last forever. It’s sad, but it’s true. In every unit’s life, there will be a time when it just can’t go on and you’ll need to replace it. When that time comes, it can seem like a large financial burden to completely replace a unit or system.

There’s good news, though! Financing your new HVAC repair or replacement can mean less financial stress and more comfort for both you and your family.

What is HVAC Financing?

HVAC financing is essentially signing up for a payment plan over a select period of time to finance your repair or replacement. Instead of paying the full amount up front, you can break the amount into smaller, more budget-friendly payments.

These financing plans can be tailored to fit your budget and your needs. You won’t have to sacrifice comfort just because of the price tag.

Steps to Qualify

With any HVAC financing option you choose, the steps are pretty similar. You’ll apply for the financing option, most often online. Once you are approved, you will pick the payment plan that is the best fit for you. The lending company will work with your HVAC provider to finance your HVAC needs and you’ll pay the lending company.

Benefits of HVAC Financing

Choosing to finance your new HVAC unit or system has plenty of benefits. You’ll have peace of mind and ensure comfort in your home.

Spread Payments Out

someone typing on a laptop while sitting on a couch

The most obvious benefit of HVAC financing is the extended timeline to fund your needs. You won’t be expected to pay the entire cost of your repair or replacement when you need it the most.

Many financing plans start at 12 months and can last multiple years, depending on your needs. This makes it easier on you to pay smaller payments over a period of time, but still, you can enjoy comfort right when you need it.

Spend More on an Efficient System

The price tag of highly efficient systems can seem extremely daunting. But with financing, you can afford more expensive systems because you’ll be spreading out your payments. Not only will your HVAC run more efficiently, but your energy bills will be lower. With lower energy bills, you’ll be saving money over the course of your new unit’s life.

Invest in Your Comfort with No Worries

Your family’s comfort is important to you which means it’s important to us. When you are having HVAC problems, you shouldn’t be bogged down with financial stress in order to get back to normal. With HVAC financing, you can get the comfort you deserve with the payment plan that fits your budget.

Helpful Reminders

When choosing to finance your new HVAC system or repair, be sure to keep these things in mind:

  • Make sure you have an above average credit score for the best financing rates.
  • Be sure to talk with your HVAC technicians to fully understand what your HVAC needs are.
  • Your HVAC system is an investment and one that will pay off over the course of 15-20 years!
  • Ensure that the monthly payments are in a comfortable range for your budget.
  • You can put your tax return towards upgrading your system!

Our Options for Financing

At Crystal Air & Water, we offer two ways to finance your HVAC needs. We work directly with these two vendors to serve you.

Wells Fargo

Wells Farge offers a Home Projects credit card that is designed specifically for home improvement purchases. This credit card allows for more flexibility and it’s easy to apply online. You can select your monthly payments too!


Green Sky

We also work with Green Sky to help you finance your HVAC repair or replacement. There are two options under Green Sky. You can either sign up for a payment plan that has a 9.99% interest rate for 84 months or you can pay off your entire balance in 12 months with no interest!


Crystal Air & Water is Committed to Your HVAC Comfort

hvac technician showing options on a tablet

Whatever your HVAC need may be, we are ready to serve you and make sure you can afford the comfort you deserve. For more information on how to finance your HVAC needs, please contact us today! We’d be happy to answer any questions.

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