HVAC and AC replacement financing
HVAC financing with a personal loan pays for a new air conditioner, heat pump or furnace with a fixed rate and payment. Since a failed system usually needs replacing fast, check your rate with a soft credit pull and compare it with the installer's financing before you sign.
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Loan terms from 2 to 60 months. Rates vary depending on the lender, your credit and your state. Maximum APR is 35.99%.
Compare installer financing carefully
- Ask whether a 0% offer is true 0% APR or deferred interest. With deferred interest, missing the payoff deadline can trigger interest back to the install date.
- Ask for the APR after any promo ends, and whether the promo raises the installed price.
- Compare the installer's offer with your pre-qualified personal loan offers on total cost.
Lower the amount you borrow
- Get at least two quotes for the same system size and efficiency rating.
- Ask your electric or gas utility about rebates for high-efficiency equipment.
- Ask whether a repair can buy you time before a full replacement.
See which lenders will work with you
Pre-qualify in minutes. Checking your rate won't affect your credit score.
Common questions
Can I get a loan for a new AC unit?
Yes. A personal loan can pay for a new air conditioner, heat pump or furnace, including installation.
Is HVAC financing through the installer a good deal?
Sometimes. True 0% APR financing can be cheaper. Deferred-interest promos and higher installed prices can make it more expensive, so compare with your own offers.
Will checking HVAC loan rates hurt my credit?
No. Pre-qualifying through Compare Loan Offer uses a soft credit pull, which doesn't affect your score.
Ready to compare offers?
Pre-qualify in minutes. Checking your rate won't affect your credit score.