How Can I Finance a New HVAC System?

A smiling older gentleman wearing a white shirt adjusts his HVAC system using the thermostat in his home.

Forget horror movies. Nothing sends chills down a homeowner’s spine like hearing the words, “You need a new HVAC system.” If you’ve been lucky enough never to need one before, currently in 2023 you can expect a cost between $2,000 at a minimum and $17,000 at worst, depending on several factors. 

Even repairs on your old system could cost you a few thousand dollars. The good news is you have financing options! HFS Financial can help get you loan options with no effect on your credit score for inquiry.

What Is an HVAC System?

Heating, ventilation, and air conditioning, also known as your HVAC, is the system that provides exactly that: heat, air, and ventilation throughout your house. Components may vary, but your average system will have a furnace, coil, thermostat, refrigerant lines, vents, pumps, pipes, filters, and more. 

Since it’s such a large system and is almost in constant use, a number of things can go wrong at any time with an HVAC. It’s also no surprise that you may need financing with such expensive repairs or replacements, which is why HFS Financial can help with HVAC loan options. 

How Much Will Mine Cost?

There’s really no way to determine the cost until you have had a professional come and assess the situation. Sometimes it’s as simple as your air conditioner running out of freon. But, as they often do, smaller things can also lead to bigger questions. 

For instance, if your older AC does need freon, there could be a leak or another issue at play. But you may want to look into replacing your AC altogether. Starting back in 2020, freon is being phased out and is only available while supplies last.

It’s not all bad, though. Newer HVAC systems are more energy efficient. This saves you money in the long run and also boosts your home’s value.

What Should I Consider When Purchasing a New HVAC System?

There are more things to consider when you’re looking to finance a new HVAC system other than energy efficiency. The size and power of your new HVAC unit will matter significantly, and bigger is not always better.

Because larger HVAC systems are designed with the size of your home in mind, larger-than-optimal units will cycle differently. On the other hand, an HVAC unit that is too small won’t be able to keep your space comfortable either. 

Consult a professional for exactly the right size unit for your home, so you’ll be the most satisfied from the start. 

How Can I Finance a New HVAC System?

The actual financing of the HVAC system is probably the easiest part of the whole process when you decide to go with HFS Financial. Unlike other financing options, your HFS HVAC financing options won’t require any equity or any money down, not to mention that our loan options are funded directly to you, the consumer. That’s exciting news because you can fully control your HVAC installation process from the start to the finish. And that’s not always the case with other HVAC financing options. 

With HFS, you can rely on low fixed rates and industry-leading terms for almost any home improvement project, from a new HVAC system to a brand-new inground pool

Keeping Your Cool with HFS Financial 

Are you ready to repair or even replace your HVAC system? Let HFS Financial help you find the right loan option to meet your needs. All you need is 60 seconds to fill out an inquiry, and you’ll receive a phone call within 48 business hours from one of our highly trained financial consultants. 

With industry-leading loan terms and low fixed rates, we can find a loan to take care of any of your home improvement needs. With HFS Financial, “You Dream It, We Finance It.” 

How Can I Finance a New HVAC System?

HFS Financial solely operates in the home improvement lending space which means we can confidently say that we are THE HOME IMPROVEMENT LOAN EXPERTS. When you apply at HFS Financial you will get a customized loan experience tailored to ensuring you get the best personal loan to meet your home improvement loan needs.