HVAC Financing

HVAC systems are a central feature of our homes that make a huge difference in our quality of life. HVAC stands for heating, ventilation and air conditioning – all crucial parts of our home’s comfort. Being cool in the summer and warm in the winter can improve our health and just make daily life more pleasant in the face of changing weather. Your HVAC system helps compensate for extreme temperatures and big changes from season to season, keeping your home environment clean, ventilated and comfortable.

Unfortunately, HVAC repairs and replacements don’t plan around the weather, or pay day. Sometimes you have to make an emergency repair just to get the system up and running again, regardless of cost. In these situations, you might not have the cash on hand to make the repair. You also may not want to use credit cards for the bills and don’t want to dip into savings. An HVAC loan is the perfect solution for homeowners in this situation. They can get the repairs and replacements they need made today, and pay off the loan through affordable monthly payments.

HVAC systems are expensive. They can cost between $4000 and $15000 for installation of a new system. If you need old ducts repaired or new ducts installed, these costs can go even higher. Important factors are the size of the house, the age of the old system and how easy it is to update. A three-story house will cost a lot more than a one-story condo when it comes to installing a new HVAC system. HVAC repairs cost between $100 and $500 on average, while a diagnostic housecall usually runs around $100.

Homeowners often use the misfortune of needing major HVAC repairs as an opportunity to upgrade their system, especially if the heating and cooling system they have installed is not energy-efficient. HVAC repairs can be a good time to improve the energy efficiency of your home and lower your energy bill for years to come.

If you’re not an expert, the different types of systems and features can be overwhelming. Especially when you’re facing emergency repairs and need to make a quick decision, it can be tempting to go for the cheapest option. However, being frugal is not always the best purchasing decision when it comes to heating and cooling financing. What is frugal today can end up costing more in the long run.

Factors to Consider when Getting a HVAC Loan

Here are the most important factors to consider when making a decision about central air conditioning or heating loans:


How long is the HVAC system going to last? The best case scenario is 15-20 years, with furnaces lasting closer to 20 and air conditioners usually lasting around 10-15 years. You will want to select a HVAC system that is built to last. Replacing a good system once every 10-15 years saves over the long run when compared to a cheap system that needs repairs frequently and has to be replaced sooner.


Huge strides have been made in the area of energy efficiency in the past couple decades. Energy efficiency is a big consideration for homeowners when looking at heating and cooling financing. How much you spend on heating and cooling can change drastically with your new HVAC system. Many homeowners choose to spend more on an HVAC system that takes advantage of new smart technology. High-efficiency systems also offer features like variable fan speeds that can help homeowners save big on their energy bill.

HVAC maintenance and installation

Does your contractor offer any deals on installation? What about extended service plans? There are a few steps homeowners can take to improve the life of their HVAC system when using HVAC financing. Changing air filters on a regular schedule will help extend the life of the heating and cooling system. Regular servicing from a maintenance plan can help keep down your out-of-pocket costs over time by nipping problems in the bud and preventing the need for big, costly repairs.

How to Get HVAC Financing with Less Than Perfect Credit

While the best option for any home improvement project is to pay cash, not every homeowner has the cash on hand for a major HVAC repair or replacement. It can cost thousands of dollars upfront to get a new system installed. If you need air duct installation or repairs, those costs go up even more, and unfortunately, breakdowns don’t always happen when it’s convenient. HVAC financing can help homeowners get the new HVAC system or HVAC system repairs they need now, without waiting.

Fill out the online application to get connected with United National Credit’s network of lenders. We pair homeowners, including those with less than perfect credit, with a loan that works for their budget. The funds are sent to the contractor or merchant so HVAC repairs or installation can begin right away. Then, through affordable monthly payments, the homeowner pays off the loan balance. Homeowners appreciate the flexibility to take out HVAC loans on their schedule and pay off the home improvement project loan over time. Apply for Financing now!