Personal Loans for HVAC Systems

Upgrade your comfort with HVAC financing

Make comfort a reality in your home.

It’s easy to take heating and air conditioning for granted when your HVAC system works smoothly. It’s another thing altogether when your furnace or air conditioner is struggling, causing poor air quality, undesirable temperatures, and high utility bills.

Fortunately, there are several ways to get financing quickly when you need to repair or replace your HVAC system. Whether your furnace or air conditioner has taken its last breath or you’re simply looking to upgrade your current HVAC system with a new energy-efficient one, you should know
that financing options are available to provide you with the funds to do so. So, chill out, and don’t sweat it.

Can I get personal loan for an HVAC system?

Yes. There are several ways to get a loan if you need a new air conditioner or furnace, including a personal loan from a traditional bank or a finance company. You can often finance through the HVAC company you are working with. As you explore your options, make sure you consider your budget and the terms the lender is offering. Reprise provides access to loans with fixed terms with no prepayment penalties.

What is HVAC financing?

When you finance your HVAC system, you borrow the money upfront to purchase a new one if you don’t have the funds available or don’t want to drain your savings. While you can finance a new
HVAC system through various options, including a credit card, with a persona loan, you will receive the funds as a lump sum and can make fixed monthly payments towards repaying the loan. This
can allow you to shop for the best heating and cooling system options with convenient monthly payments. HVAC financing can also help you cover any expenses associated with replacing,
repairing, and installing your new system.

Why choose a personal loan for HVAC financing?

Personal loans can lessen the stress that often comes with a broken or malfunctioning heating and air system by offering a fast and flexible way to receive funding. Through Reprise Financial, you can apply quickly and get the money you need as soon as the next business day after loan approval.¹ With the loan funds, you can pay for a new HVAC system plus installation costs and have peace of mind knowing you will have good air quality and total indoor comfort.

How do I apply for an HVAC personal loan?

Before applying for an HVAC loan, you’ll need to determine how much you need to borrow. Once you’ve shopped and found the HVAC provider and service that best fits your home’s needs, you can
check for loan offers through Reprise Financial without impacting your credit score, and apply for the loan offer that works for you. You should have documents available to verify your identity, address, income, and employment.

Why choose Reprise to finance your HVAC?

Through Reprise Financial, you could have the funds to finance your new HVAC system as soon as the next business day after loan approval. Reprise Financial provides loans in amounts up to $25,000,¹ as well as flexible repayment options that can be customized to fit your budget to help you access the funds you need to make your home comfort a reality. Plus, with Reprise, you can check your loan offers in seconds without impacting your credit score. Just know that when things get heated, and you’re ready to shop for a personal loan for your HVAC, Reprise Financial is here with a simple online application.

Real Reviews from Real Customers

I want to thank Carmen. She was very professional and demonstrated the highest traditions and standards of customer service. If you have all the documents needed for the loan it is quick and easy.

- Charley W.

Marialena is a superstar! Patient, courteous, thoughtful and understanding! She made my experience so much better! Thank you also to Fabian who treated me professionally in every way!

- Lawrence C.

Very smooth process! Was much easier than I ever expected . The representative that called was very professional, patient with my questions, and knowledgeable.

- Susan H.

Eyvette made the process seamless and easy. She went over the terms and allowed me to ask questions. I was happy that I was able to get the money I needed!

- Tina B.

Anthony was extremely helpful during the loan process. He went out his way several times to make sure things were okay. He explained everything so clearly and I greatly appreciate it.

- Latisha S.

The process was smooth and very easy to do. After seeing my approval odds, I applied, uploaded my documents and was approved for an unsecured loan. I can now consolidate all my loans and credit cards for one easy and affordable payment. The funds were deposited within 24 hours of getting approved.

- Vanessa B.

Experienced staff! Helpful, friendly, and knowledgeable! Fast process, definitely recommend!!!

- Kristie W.

From start to finish this was a great experience. The folks that helped me were Carlos, Mark, Sequoia and Robyn. Robyn brought everything together and got the loan processed. If I could give her 10 stars I would. Great experience from start to finish. Thanks everyone!

- Lamar B.

Sequoia demonstrated the utmost professionalism and courtesy. She was insightful and determined to get me the best rates she could. I would highly recommend her to anyone wanting to work with Reprise Financial.

- Andrew S.

I had the pleasure of working with team members Eric, Vianca, Marianela, & Stephanie. I was overwhelmed with how professional, helpful, patient, and just overall wonderful these team members were. They helped me get my correct information uploaded and worked with me on what was best for my unique situation.

- Jessica H.

I am impress how everyone at Reprise handled my loan. They were very professional and knew every detail of my loan no matter who I spoke to, and they were very patient. Thank you guys for everything you have done.