Home air conditionr unit purchased with financing.

Air Conditioner Financing

If you need financing for an air conditioner, we may be able to help, even if you have bad credit. It only takes a few minutes to get a cash offer and then you can buy your air conditioner from any vendor.

First, how much do you expect to spend on an air conditioner?

Several air conditioners mounted on a wall.

Online Financing Versus Dealer Finance

Dealer finance is a good option, but if you have bad credit, air conditioner financing may be out of reach. This is where online financing comes in and it has some definite advantages that you should know about.

Easier Approval

The first advantage is that it may be easier to qualify for online financing. There are dozens of lenders in our lending group and many of them even specialize in working with bad credit. All that adds up to an increased chance of getting an approval, even if you have been turned down already.


Flexibility is another perk of going the online route. If you accept a loan, your lender will pay you directly in cash. That allows you the flexibility to shop any dealer that you like. Negotiate the best price with multiple companies and get the unit that is best for your home or office.


Finally, you have convenience. All it takes is a few minutes on your computer and you can secure the money that you need for air conditioner financing. What could be easier?

Learn How To Get An Offer

Now that you see why you should finance your air conditioner online, here is how you get your loan offer.

Enter Your Data

Your first step is to enter your data in the quote form at the top of the page. Enter in how much you expect to spend on your new air conditioner and a little information about yourself. You will also need to enter checking account information, because remember, this is a cash loan.

Get A Decision

Once you complete your form, simply submit it and get your answer. If approved, one lender from the group will extend you an offer. To see this offer, we will redirect you to the lender website. Loan details are between you and your lender, so if you have questions, be sure to ask them.

Start Shopping

Should you decide to accept your air conditioner financing offer, you can have money in your account as soon as the next day. Then, start shopping for your new AC.

Air Conditioner Tips

An air conditioner is a great thing, but it is one of the most expensive appliances that you can run in a home. Here are some quick tips to save money while staying cool.

  • Buy a window unit: Window units are cheaper than whole house units and are easy to install. They also don’t require any major renovations or construction in order to be installed.
  • Get a programmable thermostat: Programmable thermostats can save you on your energy bills by automatically turning the air conditioner off when you leave the house and turn it back on when you return home from work or school the next day.
  • Close windows and curtains during the day: Closing your curtains and windows during the day will keep your home cool without having to run your air conditioner as hard, which can save you money on your electricity bill over time.
  • Install ceiling fans: Ceiling fans can also help keep your home cool by circulating air around the room.
  • Install insulation in your attic: Insulation in the attic can help keep the heat outside, preventing it from entering your home through vents and windows.

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