It’s the moment every Orlando homeowner dreads: in the middle of a 95°F heatwave, your air conditioner dies. The only thing worse than the heat is the sudden stress of a massive, unexpected expense.
But what if you didn’t have to choose between your savings and your comfort? What if you could get a brand-new, high-efficiency system installed tomorrow and pay for it over time—with zero interest?
It sounds too good to be true, but it’s not. At Degree71, we believe you shouldn’t have to sweat about the cost. We’ll cut through the jargon and explain exactly how HVAC financing (especially our 0% interest plan) really works.
What Is HVAC Financing?
In simple terms, HVAC financing is a loan that allows you to pay for a new heating and cooling system over time, rather than all at once.
There are generally two types:
- Third-Party Lenders: These are banks or financial institutions that partner with HVAC companies.
- In-House Financing: This is when the company itself offers a payment plan, often providing more flexibility.
This allows you to get the immediate comfort you need and pay for it in predictable, manageable monthly installments.
The “0% Interest” Promise: Is There a Catch?
This is the most important question, and the answer is: it depends on the company.
Many companies advertise “0% interest” but use a “deferred interest” model. This means if you miss a single payment or don’t pay off the entire balance by the end of the promotional period, you are suddenly hit with ALL the interest that has been quietly adding up from Day 1. It’s a financial trap.
This is not how we operate.
When Degree71 offers 0% interest financing for up to 20 months, we mean it. It is a true 0% APR loan. You pay the exact price of your new system, divided by the number of months in your plan. No hidden fees, no deferred interest, and no “gotcha” clauses.
Benefits of Financing Your New AC System
Financing isn’t just for emergencies. It’s often the smartest way to manage your home’s biggest investments.
- Immediate Comfort: Get your AC replaced now and stop suffering in the heat.
- Preserve Your Savings: Keep your emergency fund and credit cards free for other unexpected costs.
- Upgrade Your Equipment: Financing allows you to afford a higher-efficiency unit. A better system means lower monthly electric bills, so the system helps pay for itself.
- Simple, Fixed Payments: Our 20-month plan offers a clear, predictable monthly payment that fits your budget.
How to Apply: Our Simple 3-Step Process
We’ve made our financing process as fast and transparent as our service.
- Get Your Free, No-Obligation Quote: We’ll visit your home (whether in Orlando, Kissimmee, Winter Park, or anywhere in between) to assess your needs and give you an exact price. No hidden costs.
- Fill Out a Simple Application: Our technicians can guide you through our quick online application. Most homeowners get a decision in minutes.
- Schedule Your Installation: Once approved, we’ll get you on the schedule for your new installation. You’ll be cool and comfortable in no time.
Frequently Asked Questions (FAQ) About HVAC Financing
Do I need perfect credit to get HVAC financing?
While credit is a factor, we work with a wide range of credit scores. We partner with lenders who specialize in home improvement and can offer solutions for many situations. Don’t assume you won’t qualify!
Can I finance a repair, or is it only for new installations?
Our 0% financing plan is designed for new system installations and replacements. For major repairs, we offer other flexible payment options. Just ask your technician.
What is included in the financed amount?
Everything. The quote we give you includes the new unit, all materials, and professional installation labor. The price we quote is the price you finance.
Why does Degree71 offer this?
Simple. We live here too. We know how brutal the Orlando heat is, and we don’t believe financial stress should stand in the way of your family’s comfort and safety.
Don’t Let Cost Keep You in the Heat
A new air conditioner is a major investment, but it doesn’t have to be a major burden. With Degree71’s true 0% interest financing, you can get the comfort you deserve today while managing the cost in a way that makes sense for your budget.
Ready to feel cool and comfortable again?
Contact Degree71 today for your free, no-obligation quote. Ask us about our 20-month, 0% interest financing plan and get approved in minutes.
