0% Financing for 84 Months on a New HVAC System

Get the heating, cooling, or full HVAC system you need now and pay for it interest-free over seven years. No money down for qualified buyers. Subject to credit approval through our trusted third-party lenders.

0% APR 84 Months No Money Down Next-Day Install Available
Limited-Time Promotional Financing

Comfort Now, Pay Over Time. Interest Free.

A new HVAC system is one of the largest single home investments most homeowners ever make. We don't think a tight cash month should stand between you and a comfortable home. That's why A&S Cooling has partnered with Wisetack to bring you 0% APR financing for 84 months on qualifying new system installations.

It applies to new furnaces, central AC and heat pumps, full system replacements, ductless mini-split installations, and major repairs too. There's no money down for qualified buyers and no prepayment penalty. Once approved, next-day installation is usually available so you don't have to wait to get your home comfortable again.

Wisetack offers multiple plan lengths and payment amounts, so we can fit just about any budget. Tell us what works for you and our team will find a structure that matches.

Our Financing Partner

We've Partnered With Wisetack

A&S Cooling has partnered with Wisetack to make HVAC financing fast and simple. Apply right from your free in-home estimate and choose monthly payments that fit your budget.

Prequalify Now →

Checking your options will not affect your credit score.

What 0% APR for 84 Months Looks Like

Example: $7,000 System

Approximately $83/month for 84 months. No interest. No money down for qualified buyers.

Example: $10,000 System

Approximately $119/month for 84 months. No interest. No money down for qualified buyers.

Example: $14,000 System

Approximately $167/month for 84 months. No interest. No money down for qualified buyers.

Examples are illustrative only. Actual monthly payment depends on the financed amount, credit approval, and lender terms. Final terms are disclosed in your loan agreement.

What's Eligible

New furnace installation
New central AC installation
Full system replacement (furnace + AC)
Heat pump installation
Ductless mini-split installation
Boiler installation
Hot water heater installation
Indoor air quality systems
Major HVAC repairs
Compressor & coil replacements

We fit just about any budget. Whether your project is $500 or $15,000, Wisetack offers multiple plan lengths and monthly payment options so the work you need is the work you can afford.

How to Apply

1. Schedule a Free Estimate

Call (856) 312-8499 or book online. We come out, assess your system needs, and provide a written quote.

2. Apply Through Our Team

We submit your financing application directly with our trusted lender during the visit. Most decisions come back in minutes.

3. Schedule Installation

Once approved, we schedule your install fast. Next-day installation is usually available.

Frequently Asked Questions

Yes. Qualified buyers pay zero interest for the full 84-month term. If you make your monthly payments on time, the price stays the same as if you paid in full upfront. Final terms are disclosed in writing on your loan agreement before you sign.
Approval is based on credit. Most homeowners with reasonable credit history qualify, though final approval and rate depend on the lender's review. We submit the application during your free estimate and you'll have an answer in minutes.
Most qualified buyers get 100% financing with no money down. Higher financed amounts or specific credit profiles may have different terms; our lender will tell you exactly what your terms look like before you commit.
We have multiple financing programs including shorter terms, lower-payment options, and same-as-cash plans. Tell us what fits your budget and we'll find a structure that works.
No. You can pay off the loan early at any time without penalty. The total amount you pay never exceeds the price of your new system.
Yes. Wisetack financing applies to major HVAC repairs as well as new installations. Ask us when you book your service call and we'll structure a payment plan that fits your budget.

Disclosure

Promotional 0% APR financing for 84 months is offered through trusted third-party lenders and is subject to credit approval. Not all applicants will qualify. Terms, conditions, and final monthly payment amounts are disclosed in writing on your loan agreement before you sign. Promotional offers may change or end without notice. A&S Cooling Mechanical Contractors is not a lender; financing is provided by our partner lenders. Call (856) 312-8499 for current rates and terms.