HVAC Financing
A system replacement rarely arrives at a convenient moment. Through Service Finance Company we can spread it over up to 60 months at 0% interest, on approved credit — so a broken air conditioner does not become a broken budget.
Up to 60 months at 0% interest, on approved credit
Nobody plans for a compressor to fail in August. We are a registered dealer for Service Finance Company, LLC, and their equal-payment plans run to 60 months with 0% interest — so a replacement becomes a fixed monthly number instead of one hard hit to your savings.
On a $9,000 system, a 60-month 0% plan is $150 a month and you pay $9,000 in total. That is what “0% interest” actually means — no deferred interest waiting at the end of the term, and no prepayment penalty if you clear it early.
Which plans you are offered is Service Finance Company’s decision and depends on their approval, their current programs and your credit. We apply with you at the quote, usually get an answer in minutes, and show you the payment beside the purchase price — not as a surprise at signing.
What we help with
- Equal monthly payment plans up to 60 months at 0% interest, subject to approval
- Complete AC, furnace and heat pump replacements
- Application handled with you at the quote — a decision usually comes back in minutes
- No prepayment penalty on any plan we write
- Manufacturer rebate paperwork handled for you
- Guidance on current utility and efficiency incentives
Opens Service Finance Company’s secure application. Subject to credit approval.
Financing provided by Service Finance Company, LLC. Subject to credit approval. Plan availability, term length and rate are set by the lender under its own programs and approval criteria, may change at any time, and are not guaranteed by Panda Heating and Cooling. The 0% equal-payment plan requires a minimum purchase amount and qualifying credit; loan amount, monthly payment and term are disclosed in the lender’s own agreement before you sign anything. Ask us for the exact terms available on the day we quote your system.
Financing questions
Who provides your financing?
Service Finance Company, LLC — one of the largest home-improvement lenders in the country and an approved lender for most major HVAC manufacturers. We are a registered dealer, so the application runs through us and the credit decision comes from them.
Do you really offer 0% interest?
Yes — equal monthly payments over terms up to 60 months with 0% interest, on approved credit. Which plans you qualify for is Service Finance Company’s decision, not ours, and their promotional plans change through the year. We will tell you the exact terms available on the day we quote your system.
How do I apply for HVAC financing?
We handle the application with you at the time we quote your system — it takes a few minutes and most decisions come back immediately. Call 469-919-7646 or request a quote and we will walk you through it.
What credit score do I need?
Service Finance Company works across a wide range of credit profiles, and the plan you are offered depends on your approval tier. We will tell you honestly what you are likely to qualify for before you apply.
Can I pay it off early?
Yes — the plans have no prepayment penalty. On a 0% equal-payment plan the interest is zero for the whole term, so paying early simply ends it sooner.
Is financing available on repairs, or only new systems?
Primarily new system installations and major replacements. For larger repairs, ask us — depending on the amount there may be an option.
Want the monthly number before you decide?
We will quote your replacement and show you the 0% payment beside the cash price, with no obligation. Approval comes from Service Finance Company.
