Seamless HVAC Financing
So your looking into HVAC financing? You probably have quite a few questions, and rightfully so. On this page, we’ll answer all of your questions and give you the option to apply for HVAC financing online on your own, or during your appointment with one of our technicians.
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At Sudden Service Heating and Air Conditioning, we don't just promise comfort; we deliver it in a flash! With our 'sudden' same-day service, your HVAC needs are resolved pronto, keeping you cool and worry-free.
At Sudden Service Heating and Air Conditioning, we believe in making comfort accessible. Experience ease and flexibility with our financing options, ensuring your ideal HVAC solution is within reach.
Should I have a cosigner?Not necessarily. However, if your credit is not exactly in tip-top shape or you have a rather heavy debt-to-income ratio, a cosigner may be recommended for your loan.
Are there any extra fees?Yes. There is a 1 time $29 account activation fee if you do not already have an account with Synchrony Bank, this will be applied and be charged at the time the first purchase posts to your account. This fee is administered by the lender (not us).
Can I pay my loan off early?
Yes, you can certainly pay your loan off early and save on the interest you would be paying otherwise.
This is a great option for most, but for people interested in their building credit, we suggest letting your loan carry out for at least 1-2 years. This will help improve your credit score!
Would I be better off going through my bank?
Not necessarily. Though we do occasionally find that interest rates through our customer's banks are slightly better than ours, there can be a major downside to doing so.
Unfortunately in North Texas, not having an operational heating and air conditioning system is simply not an option for most. We often find that it can sometimes take up to one week for customers to secure a loan for a new heating and air conditioning system.
This can throw a wrench in the time it takes to schedule a heating and air conditioning installation. Most all companies (ourselves included), require a deposit before ordering your equipment and setting up a date for installation. This can be extremely frustrating for customers as it can add extra time to your wait.
Luckily, our financing program is instant 99% of the time and does not require any deposit. That’s right, you pay nothing down. This allows us to move as quickly as possible in getting your new HVAC system installed and running, saving you from having to deal with what could potentially be a lengthy wait time.
How long does it take to get approved?
In most cases, customers are approved instantly!
However, under special circumstances such as requesting a reconsideration, bad credit approvals, or technical problems on the lender's side (extremely rare), it could take up to one business day.
Does applying for HVAC financing hurt my credit?
The answer to this question is conditional. In most occurrences, the answer will be yes if you are applying with several companies around town and they are all pulling your credit in the form of a hard credit check.
There are also instances that financing customers will pull a soft credit check in the form of a Pre-Approval which does not hurt your credit, no matter how many soft credit checks have been run.
Before applying for credit, we recommend following our two-step guide to determine if financing is right for you.
If you’ve never checked your credit score before, we suggest doing so. This will help you determine your odds of lenders being willing to finance your new HVAC system before you fill out an application.
Should you find out that you have a bad or mediocre credit score, we may still have financing options available for you. Simply contact our office and our technician will do his best to get you financed for a new heating and air conditioning system.
You might also be interested in checking out this blog from Experian on how to improve your credit score.
Step 2. Determine your debt-to-income ratio
This is equally as important as your credit score. If you find that you have a high amount of debt in comparison to your monthly income, it may be hard to find a lender that is willing to work with you.
For instance, if you make $2,000 a month with a 700+ credit score but have a car payment that is $500 a month and also have an open loan on a few other home appliances such as a washer or dryer that is another $300 a month, lenders may be hesitant to work with you.
If your interested in learning more about your own debt-to-income ratio, we suggest you check out this article from Wells Fargo on the matter.
How much will my payments be?
You can find out in person or online on this page in 2 easy steps.
Step 1. Find out how much you will be financing.
For some, this will be the entire amount of the cost of their HVAC system replacement. For others, this will be a small portion of the cost of their heating and air conditioning replacement or repair.
If you haven’t already requested a quote from us, you can do so now. Otherwise, an average ballpark number to use on your mock-up would be $10,000.00. Of course, this number can very greatly depending on the size of your system in tonnage, your optimal SEER rating, and simply the scale of work needed.
Step 2. Choose your financing plan.
Now you can choose the terms of your loan from several great options.
Here are our most popular interest rates
18 Months – No Interest
37 Months – 5.99%
61 Months – 7.99%
132 Months – 9.99%
Is there a no interest financing option?Yes, there is a no interest option! Our most popular no-interest HVAC financing option is our 18-month no-interest plan! This is a great option for anyone who knows that there will be no doubt that they will be able to pay it off within the given time frame. But beware, like most no-interest financing on air conditioning systems, there are hefty penalties to pay if the loan is not paid off within the 18-month period!
"Highly Recommend"Our technician was super patient with our questions and explained everything to help us understand what was going on and to help us decide the best plan of action- Emily M.
"Great Employees"It’s family-owned and they have always treated everyone I know that they service like family including my own kids.- Robert F.
"Extremely Professional"Will definitely use them again.- Russell F.
"Great Experience"Cole was friendly and knowledgeable.- Alison T.
"Very friendly"Cole and Rolando were excellent. Right on time and very knowledgeable- James F.
"Incredible Experience"Did a fantastic job fixing the unit and communicating throughout the process. They have a customer for life!- Crawford J.
"Above & Beyond"I will continue to use their services in the future. I've also referred a friend of mine, she also had the same customer experience as I did.- Shauntel A.
"Definitely Recommend"Punctual, honest, great company and service!- Jeremy A.