Benefits of Financing an AC System

Having the right air conditioning system is essential when it comes to keeping a cool and comfortable home. However, like most machines you purchase, you get what you pay for! To get the best system out there with top-of-the-line features and energy-efficiency capabilities, expect it to be an investment. 

However, most air conditioning contractors offer to finance with approved credit, and many options are usually available. But is financing worth it? For most people, financing a new air conditioning system is beneficial in the long run. Here are the reasons why:

Ability to Pay Over Time

The most significant benefit to financing an air conditioner is the ability to pay the unit off over time. But, of course, you aren’t just paying the price of a new unit; you must pay for the AC installation and any additional features you may want. 

Currently, the average AC installation cost for Americans is over $5000, so paying this off over time becomes a huge benefit. 

Of course, your monthly payment will depend on your credit and other factors but paying an additional monthly bill rather than investing thousands of dollars upfront is more feasible for the average person. 

In addition, it’s stressful if you experience an unexpected failure of your old system and suddenly new a brand-new unit, so the option to pay over some time can ease some of the pressure.

Low APR, If Your Credit Allows

If you’re interested in financing your next AC unit purchase, your next question might be, “What’s the APR?” While paying monthly for your ideal air conditioner is great, paying an arm and a leg in interest isn’t something you want to happen. 

However, many financiers will offer low APR options, depending on your credit. If a reasonable APR is in the cards for you, it makes the process much more beneficial! 

Contact your local heating and AC company and ask about their APR options. The chances are that you might find a rate that works for you! In addition, many companies offer extremely low introductory ARP choices, with some starting at 0%!

Allows You to Afford a Better System

When you’re shopping around for a new air conditioner, it can be overwhelming. The endless options of models, price points, and features might be enough to make your head spin. Of course, you want the optimal system for your home while keeping energy usage to a minimum. 

However, the better the system, the higher the price tag. But with financing options on approved credit, a higher quality system may be more feasible with your budget.

Because the highest-priced systems are the most energy-efficient, that most expensive product will end up paying for itself (and then some) in energy savings over its lifetime. If financing allows you to afford a top-notch system, you can set yourself up for cost savings over the life of your air conditioner. If you’ve struggled with high energy costs from a low-quality AC unit in the past, you simply need the best of the best to meet your home’s specific comfort needs; financing may be your best option.



ECM Air Conditioning, with its headquarters located in Boynton Beach, FL, provides air conditioning services within Palm Beach County, Broward County, Martin County, and St. Lucie County. If you’re looking to have a new HVAC system installed, we’re on-call and ready to assist you. So if you’re in need of an HVAC installation, don’t hesitate to contact us today to schedule an inspection! Our HVAC installation experts will check your ductwork, measure, check wire sizes, and more before making recommendations to ensure maximum efficiency and comfort. Call us at 561-295-1763 or contact our HVAC installation team online by clicking here.


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