A new home heating and cooling system is one of the most important investments you will make. With flexible financing options from Trane, you can have a new, energy-efficient heating & air conditioning system with the comfort you deserve. The benefits of Trane financing programs are: Competitive interest rates when you take advantage of special terms Convenient monthly payments No prepayment In the United States, the Home Projects® Visa® credit card* allows you to complete your home improvement projects now and pay over time. Just select your dealer in the locator and click on the “Apply for Financing” button, or contact the Trane Dealer nearest you to hear about the latest specials and fill out a credit application in person. The application process is simple and secure, and you’ll receive a credit decision within minutes In Canada, Trane partners with SNAP Home Finance. Applying is a fastContact your local dealer to learn about special

financing offers and apply with SNAP Home Finance. SNAP is the leading provider of HVAC financing in Canada. *The Home Projects® Visa® credit card is issued with approved credit at participating merchants by Wells Fargo Financial National Bank, anFor new accounts, the APR for Purchases isIf you are charged interest in any billing cycle, the minimum interest charge will be $1.00. If you use the card for cash advances, the cash advance fee is 5.00% of the amount of the cash advance, but not less than $10.00. This information is accurate as of 01/06/2016 and is subject to change. For current information, call us atInstalling a new air conditioning system is a major but necessary expense. While being miserable in the summer heat is no fun, it's important to know how to finance a new AC unit or system by comparing all options. Three common methods for paying for installation of your new air conditioning or HVAC system include credit cards, contractors' in-house financing and using a personal loan from a financial institution.

Homeowners may have generous credit lines associated with credit cards, but using a credit card to fund your new AC unit can be costly and possibly detrimental to your credit scores. According to FICO, a major U.S. credit scoring company, amounts owed account for about 30 percent of your credit scores. Depending on your credit standing, your credit cards may also carry higher interest rates than for a personal loan from your bank or other financial institution. Contractors may offer financing for air conditioning equipment and installation costs. While this may be convenient, it's important to review the terms of the financing provided and compare the cost with other financing options. The Federal Trade Commission advises that financing home improvements can carry potential risks unless you've carefully reviewed interest rates, repayment terms and the "small print" for any financing you're considering. Most importantly, it's essential to know whether or not contractor financing puts a lien against your home.

Failing to determine this can potentially lead to foreclosure and the loss of your home if you cannot repay your loan. Home equity loans and lines of credit can provide financing for home improvements at lower rates than unsecured loan options, but it's important to weigh the advantages and disadvantages of tapping your home equity for goods and services that can be financed without mortgaging your home and reducing the "security cushion" provided by home equity.cost of new heating and air conditioning unit Banks and other financial institutions offer personal loans, also called signature loans, for a variety of purposes. best ac units for residential homesThe major advantage of personal loans is that they are not secured by your home or other collateral. components of a central ac unit

You can buy and install your new air conditioner or HVAC system without using your home as collateral. When shopping for a personal loan, it's important to request and review several loan quotes as lender fees, loan terms and interest rates can vary. In general, a personal loan is made for a specific amount with a fixed interest rate and consistent installment payments. This works well for a one-time home improvement, such as installing new air conditioning. If you're considering installing air conditioning or HVAC as part of a major home renovation, a personal line of credit provides access to funds as needed up to your available credit limit. Personal credit lines typically carry variable interest rates and repayment terms; again, it's important to shop and compare multiple quotes for finding your best option. Before making a final decision on how to finance a new ac unit, be sure to shop carefully for equipment and contractors. Installing environmentally friendly air conditioning equipment and comparing local contractors can also help you save in the near and longer term.

Home      FAQ     Apply For Credit Copyright 2012 AC Credit, Inc. The AC Credit Advantage There are other sources of credit for central air conditioning equipment. But, unlike others, AC Credit offers homeowners several important advantages not always available elsewhere. New Equipment Can Help Pay For Itself First, AC Credit specializes in offering homeowner financing exclusively for heat and air conditioning systems. This allows us to work closely within our dealer network and thereby simplify the entire process of financing your new comfort system. With AC Credit there is a minimum amount of detail and no wasted time getting prompt approval of your credit application. To apply for credit, you may apply online now, or you can go through your dealer. They only have to fax the application and a decision will be made the same day, usually within the hour. Don't you hate calling those toll free numbers that are answered by a computer? Not with AC Credit.

We're headquartered in Texas so you'll get prompt, personal service. Why settle for less? Make a down payment if you like – but it's not required with AC Credit. Even better, our rates are competitive and if you want to pay it off early–no problem–there's no prepayment penalty.Your new comfort system is likely to be two or three times more efficient than older, trouble prone equipment so you'll save on ultility bills. Plus a strong warranty protects you from costly breakdowns. No Money Down - No Pre-Payment Penalty The savings can be considerable and will help offset your monthly payments. Unlike other home improvements a new central air system is actually more of an investment, rather than expense. Your air conditioning dealer will give you all the particulars on your AC Credit loan: payments, interest, due date, etc. Just remember – with AC Credit, you can Take Comfort in Good Credit. AC Credit offers consumer financing to prospective customers only through our authorized dealer network.