HVAC Financing Options
The team at Damiani’s is committed to your comfort ― that’s why we focus on making sure your HVAC system is in good working order. But we know that the comfort of your wallet matters too, and sometimes HVAC installation or repair makes for a tight squeeze. That’s why we offer financing on our HVAC work, so both you and your budget can be comfortable. With low payment and low interest options, we will have the right plan for you!
You don’t have to choose between your budget and your comfort; with financing from Damiani’s, you can have both.
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FAQs About HVAC Financing
What is HVAC financing?
HVAC financing is a type of loan in which you pay the cost of an HVAC system over time, instead of one lump sum. Most lenders have several financing plans available, so you can choose your payment amount and how many payments you’ll make.
How much will I pay if I finance my system?
There are several factors that go into determining the figure you’ll pay.
The amount you finance
Term (how long it will take you to pay back the loan)
Typically the amount you finance is subject to a fixed interest rate, which varies according to your creditworthiness. The higher your credit score and the stronger your credit history, the lower the interest rate is likely to be and the less you’ll pay in total. Another factor to consider: how many payments you want to make. Spreading payments out over 48 months, for example, means you’ll pay less each month than you would if you spread payments over a year.
Should I finance if I don’t need to?
That depends on your financial goals. Financing spreads out your payments, so you have more money in the bank at any given time. And most lenders have convenient features like online bill pay or autopay, making it simple to keep up with your obligation. If your credit history could use some sprucing up, financing is a good opportunity to show you can keep up with payments.
How do I qualify for financing?
Lenders look at several aspects of your financial life when considering whether you qualify for financing, including:
Your credit score
Your debt-to-income ratio
The amount you intend to borrow
The team at Damiani’s can help you apply for financing. Once you’re approved, you can decide whether to accept the offer.
Get Started Today
There aren’t many things worse than being stuck without functional air conditioning in the middle of a Texas summer. Financing your HVAC purchase through Damiani’s can help keep you comfortable while respecting your budget. Ask your technician for more information, or call our office at 210-646-9600.