Home › Financing & Rebates
A new AC doesn't have to come out of savings. Apply online in a few minutes through our financing partner, Service Finance Company, and pay for your system over time.
Step 1
Fill out the short application on Service Finance Company's secure site. You can apply before or after we give you an estimate.
Step 2
Service Finance reviews your application and shows you the plans you qualify for. Pick the monthly payment that fits your budget.
Step 3
Once you're approved, we schedule your installation. Most system replacements take one day.
What you can finance: new central AC and heat pump systems, gas furnaces, ductless mini-splits, ductwork replacement and larger repairs. Plans include 0% same as cash for 25 months, plus longer-term plans with lower monthly payments, all with approved credit.
Payment calculator
Pick a plan and enter your system price to see a rough monthly payment. When you're ready, use the Apply Online button above to see the plans you actually qualify for.
Estimated monthly payment
$0
Pay the full balance within 25 months and you pay no interest. Promotional terms, including what happens if the balance isn't paid off in time, are set by Service Finance Company.
This calculator gives an estimate for planning only. It is not a loan offer. Your actual rate, term and payment depend on credit approval by Service Finance Company, LLC. The starting rate shown is an example, not a quoted rate.
If Austin Energy is your electric utility, you may qualify for a rebate when you replace an older system with a qualifying high-efficiency one. Current residential rebate amounts:
Homes in Cedar Park, Round Rock, Georgetown, Leander and nearby are often served by Pedernales Electric Cooperative (PEC), Oncor or Georgetown Utility Systems. Their programs change from year to year. When we quote a new system, we'll check what's available for your address.
Rebate amounts and rules are set by Austin Energy and can change. See Austin Energy's AC rebate page for the latest details.
Who provides the financing?
Financing is provided by Service Finance Company, LLC, a lender that works with home-improvement contractors. You apply directly on their secure website, and they handle approval and payments.
Can I use financing and a rebate on the same system?
Yes. Rebates come from your electric utility and financing comes from Service Finance, so you can use both on the same installation.
Can I finance a repair?
Yes. Financing is available for larger repairs as well as new systems. Ask us whether your repair qualifies.
Is there still a federal tax credit for a new AC or heat pump?
No. The federal Energy Efficient Home Improvement Credit (25C) ended for systems installed after December 31, 2025. Utility rebates like Austin Energy's are still available.
Do I need an estimate before I apply?
No. Many customers apply first so they know their budget, then schedule a free estimate. You can also apply after you have our quote.
Get a free estimate for a replacement, sized for your home. Mon–Fri 8 AM–5 PM.
