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We know maintaining a home can be expensive. At Just Better Heating and Air, we’re committed to helping you get the best possible heating and cooling system by offering HVAC financing options with convenient monthly payments.
We understand that everyone’s financial situation is different. We offer several ways to help you pay for your new system and find the best rebates, so making this investment is as easy as possible.
Why Finance Heating or Cooling Equipment?
HVAC financing helps spread the cost of new equipment over a predetermined amount of time. Why dip into savings you may have earmarked for another purpose, add to an existing credit card balance or even consider a home equity line of credit when you have another option?
HVAC Financing allows you to overcome the cash anxiety that often comes with upgrading or replacing your indoor comfort equipment. By financing your new purchase, you can break up payments into monthly installments, leaving your cash available for something you cannot finance.
As with any purchase spread out over time, it’s essential to review financing details to make sure you understand your financial responsibility. You should consider the interest rate, repayment terms and the “small print” in any potential financing contract.
Smart Money Managment
Your HVAC buying decision should be based on long-term comfort and energy-efficiency. Enhanced energy savings can result in real, tangible returns when you invest in a high-efficiency system, especially when compared to your old unit or base-efficiency units.
While your frugal urges may tempt you to opt for a minimum efficiency system, the least expensive option may not be the most cost-effective solution considering the long-lasting life cycle of a new, energy efficient system. New, high-efficient systems may offer reoccurring monthly savings on your utility bill and possibly increase the value of your home. The increase in the monthly financed payment may be realized in your energy bill.
A high-efficient system can also provide uncompromising indoor comfort throughout your home, allowing you to feel the difference compared to your old unit. Impactful innovations such as variable-speed fans, variable-speed compressor and heat exchanger technology have ushered in a new era of HVAC operation that enhances indoor comfort and performance.
Moreover, HVAC financing can often cover the cost of an extended service plan. Extended service plans may minimize additional out of pocket maintenance or repair expenses that you may face during the term of the service plan.
Apply Today!
HVAC Financing, with approved credit, through FTL Finance is simple. They offer a wide range of plans1 with features like:
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Convenient monthly payments
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Competitive interest rates
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Online bill pay
Fill out a simple application or to learn more about special promotions, contact
Just Better Heating and Air today!
Common Financing Terminology
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APR (Annual Percentage Rate) - The interest charged on the loan
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Debt to Income Ratio - The amount of a borrower's debt divided by their income
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Equal Monthly Payments at 0% APR - A loan that is paid in equal monthly payments over a specific term with an APR of 0%
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Fixed Interest Rate - A fixed percentage of interest that is paid over the loan term
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Interest - Payment for the use of money over time or the amount a borrower pays to borrow money from the lender
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No Interest, No Payment Loan - A loan in which no payments need to be made within a specific promotional time period. If the balance is not paid at the end of the promotion period, the borrower usually pays off the interest from the loan start.
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Sub-Prime Loan - A loan given to a borrower who does not meet the credit requirements for a typical loan. Sub-prime loans have higher interest rates because they finance borrowers who may have a poor credit history, low income, and high debt to income ratios
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Term - The time length the loan will run
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Unsecured Loan - A loan that is given and based on a borrower's credit instead of collateral
“From the initial phone call to the final invoice, my experience with Just Better was outstanding. I needed a new furnace installed, and they provided a clear and detailed quote upfront with no hidden fees. Briar and his team were punctual, respectful of my home, and incredibly thorough. They took the time to answer all my questions and explained the new system's features in detail. They even identified a potential issue with my ductwork that other companies had overlooked. The entire process was smooth and stress-free. Briar is a true professional and I highly recommend Just Better for any HVAC needs. They've earned a customer for life!”
Nathan- Greenwood, IN