HVAC Financing Options
The team at Damiani’s Comfort Design 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 can be a tight squeeze.
That’s why we offer financing on our HVAC work, so both you and your budget can be comfortable. We also offer Comfort Club Maintenance Plans so you can get priority service throughout the year. With low-payment and low-interest options, we’ll 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.
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?
Several factors 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 is 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 HVAC Financing 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.
Ready to learn more? Contact our technicians online or call 210-646-9600.