Your air conditioner is gone. You must replace it, but a new AC system is one of the biggest investments you’ll make in your home. The question isn’t just “which system?” but “how can I pay for it without draining my savings?”
You’ll see “Financing Available” on every HVAC company’s truck in Orlando. But here is the critical secret: not all financing is the same.
Many plans hide deferred interest traps, require hard credit checks that damage your score, and have slow, painful approval processes.
Before you sign, let’s compare what “typical” financing looks like versus the direct, transparent plan we built for our neighbors at Degree71.
The Traps of “Typical” Third-Party HVAC Financing
Most HVAC companies in Orlando don’t finance you themselves. They are middlemen for large, third-party banks (like Wells Fargo, Synchrony, or Greensky). This model often comes with several “gotchas”:
- The Hard Credit Check: The first thing they do is run a hard credit inquiry. This dings your credit score, even if you’re just “shopping” for quotes. If your credit is anything less than perfect, you can be denied outright.
- The “Deferred Interest” Trap: They promise “0% Interest for 12 Months!” But if you read the fine print, if you don’t pay off every single penny before the deadline, they hit you with ALL the interest that’s been building up from Day 1. It’s a financial trap.
- Approval Delays: You’re hot. Your family is miserable. The last thing you want to do is wait 24-48 hours for a bank’s approval.
- Prepayment Penalties: Some plans actually penalize you for trying to pay off your new system early.
The Degree71 Difference: Financing Built for You
We saw how stressful that old model was, so we built our own financing program from the ground up, centered on two things: Simplicity and Trust.
When we say we offer the best financing, we mean it. Here’s our promise:
- WE DON’T RUN CREDIT. (NO CREDIT CHECK)
- Your credit score is your business. We believe your comfort shouldn’t depend on a FICO score. We will not run a credit check for our plan.
- TRUE 0% INTEREST FOR UP TO 20 MONTHS
- This is not “deferred” interest. It is a true 0% APR plan. Your total price is divided into 20 simple, monthly payments. That’s it.
- INSTANT APPROVAL
- Because we don’t run credit, we can approve you on the spot. No waiting. We can get you on the schedule for your new installation today.
- NO PREPAYMENT PENALTIES
- Want to pay it off early? Great! We’ll never charge you a fee for it.
HVAC Financing: At-a-Glance Comparison
Don’t just take our word for it. Here is a clear, side-by-side comparison of our plan versus the typical bank financing offered by other companies.
| Feature | Degree71 (The #1 Choice) | Typical 3rd-Party Bank Financing |
|---|---|---|
| Credit Check Required? | NO | YES (Hard credit inquiry) |
| Approval Speed | INSTANT (On the spot) | 24-48 Hours |
| 0% Interest Plan | YES (True 0% up to 20 Months) | Maybe (Often “Deferred Interest” traps) |
| Prepayment Penalty? | NO, NEVER | Often, yes |
| Covers All Equipment? | YES (Central, Mini-Split, Commercial) | Varies by bank |
The Most Important Part: A 10-Year Warranty to Back It Up
Financing is how you pay. The warranty is your peace of mind.
A great financing plan on a bad installation is worthless. At Degree71, we provide an iron-clad 10-Year Warranty on all new equipment.
We combine the most transparent, stress-free financing in Orlando with the most reliable, high-quality installation and a warranty that guarantees your comfort for a decade.
- No Credit Check Financing (Peace of mind for your wallet)
- 10-Year Warranty (Peace of mind for your home)
Get Approved Today and Be Cool Tomorrow
Why choose a plan that penalizes you, checks your credit, and plays games with interest?
Your search for a new AC and the best way to pay for it is over. Degree71 offers a complete solution for any new system—Mini-Split, Central Air, or Commercial—with 0% interest for 20 months, instant approval, and NO credit check.
Contact Degree71 for your free, no-obligation quote and get instantly approved for your new system today.
