Yes. Financing is available on air conditioning installations, and in this climate it is one of the more common ways homeowners handle a replacement — because AC failures rarely arrive at a convenient moment. Options are on our financing page.

Why It Comes Up So Often With Cooling

Air conditioners in the Hill Country do not fail in April. They fail in July, during the week they have been running eighteen hours a day.

That timing means the purchase is unplanned, non-optional, and larger than most households keep in immediate reserve. Nobody budgets for a compressor failure.

Spreading it over monthly payments is frequently the difference between installing the right system now and applying a temporary repair that costs more over the following two summers.

Apply Before You Choose Equipment

The sequencing that saves people the most money: find out what you qualify for before selecting a system, not after.

Knowing your approved amount changes the conversation from “what is cheapest” to “what actually costs less over ten years.” In a climate where cooling equipment runs roughly seven months a year, the operating difference between efficiency tiers is not trivial — it accumulates across an enormous number of runtime hours.

Homeowners who decide on equipment first often lock themselves into the wrong tier. Applying carries no obligation, and we will walk you through it during the estimate.

The Repair-Versus-Replace Trap

Here is the scenario we see constantly.

A fourteen-year-old system needs a compressor. The homeowner has enough cash for the repair but not the replacement, so they repair it — and replace the system two summers later anyway, having spent the repair money for nothing.

A useful rule: if a repair costs a significant fraction of replacement on equipment past two-thirds of its expected life, replacement is usually the better economic decision. Financing is what makes that decision available rather than theoretical.

On older R-22 systems the math tilts further, because the refrigerant itself is now expensive enough that a recharge can approach a meaningful share of a new system.

What We Will Not Do

We do not use financing to make an oversized system feel affordable.

A monthly payment can make almost anything look reasonable, and that is precisely why it is a bad way to size equipment. An oversized air conditioner short-cycles, never runs long enough to dehumidify, and leaves your house clammy at the right temperature — a worse outcome than the problem you started with.

The correct system comes from a load calculation. Financing changes how you pay for it, not what you should buy.

What It Typically Covers

Full air conditioner installation and AC replacements are the largest categories.

It also covers heat pump systems, which are worth pricing here given our long cooling season and mild winters, and ductless mini splits for spaces the central system never reached.

Where duct sealing or duct corrections are part of the project, those can be included — and in many homes that work delivers more comfort per dollar than a higher equipment tier would.

Applying

The application is short and decisions are typically fast. You will need identification, address, and income information. There is no appraisal and no lien on your property.

If your credit is imperfect, apply anyway rather than assuming. These programs are built for home repair, and the criteria reflect that.

Getting an Accurate Number First

Financing only helps if the project amount is real. Our estimates are free and itemized, showing equipment, labor, and any required corrections separately — so you are not approved for a figure that turns out to be short.

Adding a Care Club maintenance plan to a newly financed system protects the investment and keeps warranty documentation current, which most manufacturers require.

We serve Fredericksburg, Kerrville, Boerne, Comfort, Mason, and the surrounding Hill Country. Contact 72 Degrees or call (830) 468-5316.