HVAC Financing For Qualified Buyers

Looking to purchase new equipment this season? Don’t worry! Our variety of flexible HVAC financing options on all qualified new equipment purchases will help you invest in your family’s comfort without putting a strain on your credit or monthly budget.

Perhaps your system needs repairing rather than replacement right now. You shouldn’t have to sacrifice comfort on a tight budget. To help qualified borrower’s manage the cost, we have partnered with Service Finance Company, LLC, to offer flexible financing options.

Why Finance with Service Finance Company, LLC:

12 Months No Interest

This option allows you to enjoy the comfort of your new heating and cooling equipment immediately while spreading out the cost over a period of time with deferred interest or no interest loans.

Extended Pay Over Time

This option provides lower monthly payments spread over a longer term, and is ideal for qualified borrower’s who prefer smaller, more manageable monthly payments.

Easy Application Process

Click here to apply and choose between the 12 months no interest or the extended pay over time plan.

Take advantage of these flexible financing options to ensure your home stays comfortable year-round without straining your budget. For more details or assistance with the application, please contact our team at A/C Masters. We’re here to help you find the best solution for your heating and cooling needs.

Financing Frequently Asked Questions

At A/C Masters, we understand that purchasing a new HVAC system can be a big investment. To help make this process easier, we offer a variety of financing options to fit your needs. Below are some frequently asked questions about our financing plans.

General Financing Information

What financing options are available for HVAC purchases?

At A/C Masters, we offer several flexible financing plans to help you get the HVAC system or any repairs that may be needed. The options vary depending on your credit situation. We provide plans with low monthly payments, deferred interest, and extended terms to accommodate your budget.

Where is HVAC financing available?

Our HVAC financing is available anywhere in the A/C Masters service area, including York County, Williamsburg, Newport News, Hampton, Gloucester, and throughout Hampton Roads and the Virginia Peninsula.

Do you offer financing for repairs or only new installations?

Our financing options are available for both new installations and HVAC repairs. Whether you’re installing a new system or need to repair your existing unit, we can help you find a financing plan that fits your needs.

Can I use financing for additional services, such as maintenance or upgrades?

Yes, many of our financing options can be used for additional services like routine maintenance, system upgrades, or adding accessories to your HVAC system. Speak with a member of our team to see how you can use financing for these services.

Eligibility & Requirements

Do I need to have perfect credit to qualify for financing?

No, you don’t need perfect credit to qualify for financing. Our HVAC financing is available to qualified applicants who meet income and credit requirements. While a good credit score (typically over 600), steady income, and a low debt-to-income ratio can increase your chances of approval, we understand that not everyone has a perfect credit history. That’s why we work with a variety of lenders who offer financing options for customers with diverse credit backgrounds. Even if your credit isn’t perfect, you may still be eligible for one of our financing plans. The application process is simple and quick—you can find out if you qualify in just minutes!

What will I need to apply for financing?

To apply for financing, you will need basic personal information, including:

Proof of identity (e.g., driver’s license or passport)
Proof of income (e.g., recent pay stub or tax return)
Residential address
Social Security number (for credit check purposes)

How long does it take to get approved for financing?

Approval times vary depending on the lender and the financing plan you choose. In many cases, you can receive an approval decision within minutes, and the entire process can be completed in just a few hours.

Who is Service Finance Company?

A/C Masters partners with Service Finance Company, LLC to offer our customers HVAC financing options. Service Finance Company is a nationally licensed sales finance company that provides home improvement contractors, like A/C Masters, and their customers with promotional and standard installment loan terms to make HVAC installation, replacement, and repairs more affordable.

Application Process

How do I apply for HVAC financing with A/C Masters?

The application process is simple and can be done online or in person. You can apply on our website or speak with one of our financing specialists to help guide you through the process. We offer quick approval decisions, so you can get started on your HVAC installation as soon as possible.

How do I know which financing option is right for me?

The best financing plan for you depends on your credit score and financial situation. Our team will work with you to determine the most suitable option, whether it’s a low-interest loan or a deferred payment plan. We aim to make the process as simple and affordable as possible.

Repayment & Terms

What is the interest rate on HVAC financing?

Interest rates depend on the plan you qualify for, which is based on your credit score and financial history. We offer competitive rates and can discuss the options available to you during the application process.

How long are the repayment terms for HVAC financing?

Repayment terms vary depending on the plan you choose. We offer flexible repayment options, with terms ranging from 12 months to 72 months, depending on your budget and the financing plan. Our goal is to provide you with a plan that works for you.

When is my first payment due?

Your first payment will be due 30 days after the HVAC installation or repair is complete. Your first statement will arrive by U.S. Mail approximately 18 days after the work is completed.

Can I pay off my HVAC financing early without a penalty?

Yes, our financing options allow for early repayment without any prepayment penalties. All of our loans use simple interest so any extra that is paid goes straight to principal and you can pay off early without a penalty.

What happens if I miss a payment?

If you miss a payment, please contact your financing provider as soon as possible. Missing a payment may result in late fees, and depending on the terms of your plan, it may affect your credit score. Our team is here to help you navigate any issues and work out a solution.

How do I make payments?

Payments can be mailed with your monthly pre-printed coupon, paid online through the secure online borrower portal, or paid by phone by contacting the Service Finance Company billing department at (866) 254-0497, option 4, during regular business hours.

Will I receive statements?

Yes, Service Finance Company will send monthly statements by U.S. Mail approximately 15 days prior to each payment due date.

What are the accepted payment methods?

Accepted payment methods for HVAC financing include check, ACH, money order, or cashier’s check. Service Finance Company does not accept credit or debit card payments.

For more information on our financing options or to start the application process, please contact us. We’re here to help you find the best HVAC solution that fits both your needs and your budget!

A/C Masters Service Areas

With our exceptional expertise and dedication, we are committed to ensuring the comfort and satisfaction of our valued customers across these regions. Trust A/C Masters for all your heating, cooling, and ventilation needs in the Virginia Peninsula!