What You Need to Know About HVAC Financing

Installing a new HVAC system may not be in your budget this summer. Or any summer, for that matter! It’s a significant, but undeniably necessary, home repair that seems to sneak up on us at the worst possible times.

But with Blue Dot’s flexible financing options available to homeowners in the greater Topeka area, you don’t have to sweat major HVAC services. You can keep your family comfortable and your piggy bank intact.

Why finance your HVAC replacement or repair with Blue Dot?

A new HVAC system can cost between $5,000 to $10,000, depending on the size of your home, the type of unit you choose, and how complicated your ductwork is. But the new unit itself may not be as expensive as you would expect.

Some HVAC units are eligible for a federal tax credit of up to $600 for energy-efficient units. And high-efficiency HVAC systems can reduce your annual energy usage by up to 50%! So, while the up-front cost of having a new system installed can come with some sticker shock, over time, the upgrade can pay for itself.

What HVAC financing options are available?

There are a few ways you can pay for your new HVAC unit, or any kind of Blue Dot home comfort system repair or service:

Blue Dot financing

At Blue Dot, we offer a number of financing and payment plan options through Wells Fargo. One of our most popular plans is our “same as cash” financing. With this benefit, you can get the HVAC repairs or replacement you need with no payments today and 0% interest for up to 18 months. This option is available to qualified homeowners, no matter the cost of their service.

Another popular option is our flexible payment plan. For larger repairs, you can set up a 10-year repayment plan with 9.99% interest and low monthly payments. This plan can make significant service, like a new HVAC system, major plumbing repairs, or bathroom remodeling more affordable. 

A personal loan

Some homeowners choose to take out a small personal loan to cover the cost of their HVAC replacement. A personal loan can be easier to qualify for than a home equity loan, requires less paperwork, and may offer a lower interest rate.

A home equity loan

A third way to finance your HVAC system repair or replacement is to take out a home equity loan to borrow against the equity of your house. The benefit of this option is that you may be able to cover a number of home repairs and upgrades with one loan. If you have several significant upgrades to make this summer, like a new HVAC system, roof, flooring, or windows, this can be an effective and affordable way to enhance your home.

At Blue Dot, our home repairs are on-time and on-budget

To learn more about our flexible financing options, request a free estimate, or start your project, call 785-272-1633 or request service today!

Our friendly team of Topeka-trusted professionals are available 24/7 to help you stay cool and comfortable all summer.

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Ready to put our team to the test?

Our licensed plumbers, electricians, HVAC experts, and friendly team always answer the call. You can schedule service online or ask a question using the contact form below or by calling 785-272-1633.