Simple HVAC/AC Financing Options

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HVAC / AC Financing With Acorn Finance

Check New Loan Offers With No Impact To Your Credit Score


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Secure HVAC / AC Financing

Acorn Finance puts you in control – we let you compare personalized offers from lenders in our network, with no impact to your credit score. We’ll help you check for pre-qualified offers in seconds with our broad network of national lending partners. You can easily sort the offers based on what’s most important to you: interest rate, payment amount, length of the loan term. Our 100% online, customer-friendly process is designed to help you find affordable payment options with lenders that can quickly fund your project.

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Heating & Air Conditioning Financing With Acorn Finance

Check For Offers in Seconds

Get pre-qualified today with an easy online pre-qualification application

Won't Impact Your Credit

Customers receive pre-qualified offers without any impact to their credit score

Competitive Payment Options

Loans up to $100,000; Terms up to 12 years; APRs as low as 4.99%

Receive Funds Quickly

In some cases, you can receive your funds in as little as one business day

“The process couldn’t have been any easier. I filled out a short form that took me less than 2 minutes and within seconds I got multiple offers from lenders.”


– Mike T. (TN)

“It was important to me that I could review my offers without any impact to my credit score, before deciding on the best loan option.”


– Carol R (FL)

“I like the easy online and 100% paperless experience of Acorn Finance. I received my money two days after completing my application.”


– Bob S (WI)

Ready To Finance Your New HVAC or AC?

Compare HVAC & AC loans without affecting your credit score.

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Learn More About New HVAC/AC & Repair Financing Options

Whether you have good credit or bad credit, heating, ventilation and air conditioning (HVAC) financing options may be available. HVAC units are large and costly but can improve your quality of life, especially if you live in a heated climate. There are many HVAC financing options available making it critical to compare your options. AcornFinance is a leading provider for HVAC financing. On approved loans, you can borrow up to $100,000 and take as long as 12 years to pay it back. Keep reading to explore the various HVAC financing options available for good and bad credit.

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Can you finance an air conditioner?

Yes, an air conditioner can be financed. Below, we have compared some of the top HVAC financing options including:

Personal loan


  • Credit card
  • Cash or savings
  • HVAC manufacturer financing



Can you finance a furnace?

Yes, you can finance a furnace. In most cases, a furnace can be financed for less than $65 per month with no money down. The total cost of purchasing a new furnace usually ranges between $5,000 – $6,000.

How much does a new A/C system/unit cost?

On average central air conditioning costs between $3,756 – $7,249. For larger homes or homes that have complicated ductwork the cost can be upward of $10,000. Factors that can impact the cost of a new A/C unit include:


  • The unit selected
  • Installation costs
  • Additional items (such as ductwork repair)



Pros & Cons of financing your new HVAC unit

Installing a new HVAC unit can be a hefty but necessary expense. Financing your new HVAC unit can provide an affordable solution. It’s important to do your homework and compare offers in order to make an educated decision when selecting HVAC financing.



  • Affordable solution with low monthly payments
  • Funds available quickly
  • Save cash or savings for a real emergency





  • Taking on debt
  • Interest and fees



How to finance a new HVAC unit

Ready to discover the pros and cons of some of the top HVAC financing options? Keep reading to learn more.

Best Financing Options for a New HVAC or A/C Unit or Repair

Personal Loan for Home Improvement

A personal loan for home improvement or HVAC financing can be an attractive option for good and bad credit types. It’s relatively simple and funds can be made available quickly. In addition, you can avoid many of the closing costs and fees that can be associated with home equity loans. AcornFinance is a reliable and top-rated company that provides personal loans for HVAC financing. Take advantage of affordable payment options and free services while saving tons of time.

Three steps to get started with AcornFinance:


  • #1. Complete and submit a short loan application online
  • #2. Receive multiple pre-qualified offers
  • #3. Get connected with lenders to obtain your pre-qualified loan





  • Quick funding
  • Typically lower interest rate than most credit cards
  • Most personal loans are unsecured meaning no collateral required
  • Many uses
  • Borrow up to $100,000
  • Receive pre-qualifying offers without affecting your credit score





  • Origination fee may apply
  • Fixed payments that must be made on time
  • Rates can be lower for borrowers with good credit
  • Prepayment penalties may apply



Credit Cards

Credit cards can be a convenient solution for HVAC financing but you should consider the pros and cons. Some credit cards may offer special 0% interest promotions that you can take advantage of. However, in most cases credit cards have higher interest than personal loans.



  • Build your credit
  • Convenient
  • Potential to earn rewards
  • Buy now, pay later
  • Theft protection
  • Special promotions may apply





  • Higher interest rates
  • Annual fees may apply
  • Vague approval requirements
  • Read the fine print
  • Increased risk for fraud



Cash or Savings

Using cash or savings to pay for HVAC can be the cheapest option on paper. However, it may be a smarter decision to save your cash or savings for an emergency. There are many competitive options available for HVAC financing.



  • Pay anyone
  • No limitations
  • Cheapest option on paper




Cash or savings may be better served for an emergency HVAC Manufacturer Financing In-house HVAC manufacturer financing is offered by many companies. Most of these programs are essentially personal loans or credit cards. HVAC manufacturer financing is typically an easy solution. However, it’s difficult to compare competitive options and offers.



  • Convenient
  • Fast application process
  • Typically no down payment
  • Competitive interest rates





  • Difficult to compare competitive offers
  • Can cost more than other options



Conclusion – HVAC/AC Repair Financing For Contractors

In conclusion, HVAC financing allows you to make an affordable monthly payment for your new HVAC unit. Cool down and relax while saving your cash for a rainy day using HVAC financing. AcornFinance is a trustworthy company that partners with reputable lenders to provide competitive HVAC financing. You can apply online using their simple three step process to receive multiple offers for HVAC financing. This allows you to save time and compare offers easily. Ready to take the next step? Apply online today!

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