HVAC Financing

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HVAC Financing With Acorn Finance

Check New Loan Offers With No Impact To Your Credit Score


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Secure HVAC 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 to secure HVAC financing 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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How We're Different

Get Offers in Seconds

Get pre-qualified for multiple loan offers with an easy online form.

Won't Impact Your Credit

Receive pre-qualified offers with no impact to your credit scores.

Competitive Payment Options

Loans up to $100,000; Terms up to 12 years; APRs as low as 3.99%.

Receive Funds Quickly

In some cases, receive 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 Secure HVAC Financing?

Compare HVAC & AC loans without affecting your credit score.


HVAC Financing & Financing HVAC Repairs

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. Acorn Finance 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. Secure financing for your new HVAC or HVAC repairs today with Acorn Finance at some of the lowest rates you can find online.

    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 do new AC units cost?

    According to Home Advisor, on average central air conditioning costs between $3,812 – $7,478. For larger homes or homes that have complicated ductwork the cost can be upward of $10,000. Ductless split systems usually cost between $2,000 to $14,500 installed. We recommend working with a state-licensed contractor for installation. In some cases, permits may be required. Furthermore, only a licensed professional can handle the refrigerant chemicals involved. If you are looking for a more affordable AC solution you may want to consider a window air conditioner or a portable unit. You can find window air conditioners for about $150-$500 installed. Portable units usually have similar costs. Some factors that can impact the cost of a new A/C system include…

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

    How much should HVAC installation cost?

    According to Home Advisor, the average cost to replace an HVAC system is about $7,000 with a typical range of $5,000 to $10,000. New HVAC installation may cost more money. New installations can cost between $1,500 to $12,500 and up. Repairing or replacing an HVAC system can be frustrating with many variables in relation to the cost. HVAC systems are made up of multiple parts both inside and outside of the home. When it comes to estimating price you should consider how many components you need to replace. While you can get an idea of pricing online, it can vary project to project. In addition, your location may impact the cost as well. Most HVAC companies can provide free estimates. We recommend getting a few estimates for HVAC installation.

    Do most HVAC companies offer financing?

    Most HVAC companies offer financing. Some may offer in-house financing but a majority of HVAC companies partner with third party lenders to offer financing. Ensuring your HVAC system functions properly can help you achieve maximum efficiency. HVAC systems should be inspected 1-2 times per year, perhaps once in the fall and once in the spring. Whether you need basic maintenance repairs or a new HVAC system you can use financing. If your HVAC system has surprised you with problems, you may be in a hurry to get it fixed. While an HVAC company that offers financing may be an easy solution, you’ll want to ensure you are getting the best deal. Acorn Finance offers a free platform that allows you to compare offers from multiple lenders. Taking advantage of Acorn Finance’s platform can help ensure that you secure the best financing offer.

    Can you replace just the outside AC unit?

    While you may be able to get away with just replacing the outside AC unit, it’s usually not recommended. Replacing the outdoor and indoor units at the same time helps ensure that units are compatible. Mismatched units may work fine together temporarily but in the long term you may encounter serious problems. In addition, factory warranties may be void from using mismatched units. However, if your AC system is still covered under factory warranty but the outdoor unit needs replacement, you should see if the factory warranty can cover replacement. If it can, this may be one scenario where replacing just the outside unit makes sense.

    How much does an air conditioner cost for a 2,000 sq ft home?

    If a home has an existing forced-air heating system, it may be easier to add air conditioning. A 2000 square foot home with an existing forced-air heating system may cost about $3,000 to $4,000 to add central air conditioning. Adding ducts can cause project costs to nearly double. If ducts need to be added you’ll probably want to go with a split system. For a 2,000 square foot home you’ll most likely need 30,000 to 34,000 BTUs. Once you have determined how many BTUs you need, you are ready to select a unit to purchase. Units can vary in price, thus causing project costs to fluctuate.

    Is it cheaper to replace the furnace and AC together?

    In most cases it’s cheaper to replace the furnace and AC together. Replacing a furnace alone usually costs about $2,000 to $5,000. When you add a furnace during an air conditioner replacement, it should cost less. However, if your furnace is less than 10 years old, it may make sense to replace it solo. There’s a good chance it should last until your AC needs to be replaced. A furnace should last 20-30 years and AC systems should be replaced every 10-15 years. If your furnace is 15+ years old you should replace the furnace and AC together. In addition, if installation is complicated or you want to avoid HVAC repairs or replacements for a long time you should replace the furnace and AC together.

    Can you negotiate HVAC prices?

    Negotiating is just part of doing business. HVAC prices can be negotiated. You want the contractor or HVAC company to make money and be motivated to do a good job on your project but you also want to get a great deal. So how do you accomplish both objectives? The best way to negotiate with HVAC companies and contractors is to gather multiple estimates. If the lowest estimate is from the contractor you prefer to work with, you may not need to negotiate. However, if you wish to work with a certain contractor but a competitor gave you a lower estimate, you may want to express a desire to work with a contractor and share the lower bid with them. They may be willing to match or beat the competitors estimate or lower their original estimate to earn your business. Keep in mind, the lowest bid may not be the most reliable or experienced contractor so you should compare more factors than just price when selecting an HVAC company or contractor. Checking online reviews or asking friends and family for referrals can help you find reliable and professional HVAC companies.

    How many square feet will a 3-ton AC cool?

    Since some areas experience warmer seasons than others, a 3-ton AC system may cool more square footage in Maine than Texas. Different climate zones have different recommendations for proper size systems. In areas like Texas and Florida a 3-ton AC can cool 1,501 to 1,800 square feet. In areas like Maine and Montana a 3-ton AC system can cool 1,651 to 2,100 square feet. To determine how many square feet you can cool with a 3-ton AC in your area you should contact a local HVAC company or contractor.

    How much is a 3-ton AC unit installed?

    According to Fixr, most homeowners spend about $7,000 to install a 3-ton split system unit with new ductwork and a SEER rating of 16. The SEER rating you need usually depends on what you need from a heating and cooling system. SEER stands for Seasonal Energy Efficiency Ratio. SEER ratings can be compared with miles per gallon in a car. The higher the SEER rating, the more satisfaction you’ll get per energy dollar. Think about it like this – your car may average 30-mpg but may not be as efficient in city traffic. If you have a SEER rating of 16, this is the maximum efficiency but it depends on conditions. In areas with extreme heat or humidity, you should have a higher SEER rating. Most air conditioners have SEER ratings between 13 to 21. How efficient your system is can depend on the SEER rating as well as the size of your home, ductwork, and other factors.

    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 HVAC Financing

    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 Secure HVAC Financing

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

    Best HVAC Financing Options: New or HVAC Repair Financing

    Personal Loan for HVAC

    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 Acorn Finance:

    • #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

    HVAC Repair Financing Made Easy

    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. Acorn Finance 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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