The unfortunate truth is that when we learn that we need a new HVAC unit or major system component (such as an evaporator coil, furnace, outdoor unit, or ductwork) replaced, it is typically a sudden and unexpected expense. The heating, ventilation and air conditioning (or HVAC) system in your home is one of the most expensive components in your house. On average, installing a complete home HVAC system can vary from $3,000 to $20,000, depending on the needs and desires of your home’s and family’s unique situation.

Not only that, because this system sees almost constant use year-round (proper cooling and heating tend to be essential when it comes to keeping a comfortable home), it is also one of the most likely components to need repair or replacement. For most people, HVAC financing is a large expense, and paying for the whole balance out of pocket isn’t always feasible. Paying by check or credit card are still the most common approaches, but financing is gaining more traction, especially during these uncertain economic times. Luckily, there are plenty of options out there that allow you to finance the HVAC system that is right for you.

Your heating and cooling system affects how you feel every moment when you’re at home. It also accounts for around half of the energy your home uses every month. So, every dollar you are able to spend moving up to a higher-efficiency system can produce comfort and energy savings you’ll appreciate for years to come. You may also be able to take advantage of federal tax credits.

It is important to know that financing offers can vary throughout the year. If you are interested in financing and your timing is flexible, never hesitate to ask your HVAC company when the best deals come out. 0% financing is available at different times of the year. Terms start at 18months and can extend to 72 months depending on what the manufacturer is offering and what system you select. Terms up to 10 years may even be available with an interest fee. Keep in mind that higher efficiency systems usually have better financing offers and may save you even more money in the long run.

Give Gentry Heating and AC a call when the time comes for you to start exploring replacement for your HVAC system and components! We are here to help.