Save up to 50% less buying direct — unit pricing + free install quote.  |  Texas People. Texas Pride.
★ Lone Star Mechanical
Fort Worth & Tyler Area · Lic. TACLB145589R
📞 903-504-0168
★ 0% Financing Available

New AC Unit.
No Money Down.

Replace your system now, pay over time. We offer 0% interest financing for up to 18 months — or fixed-rate plans for 5 years.

Financing Options

Choose Your Term

Most Popular
12 Months — 0% Interest

Pay over 12 months with zero interest when you pay in full before the promotional period ends.

As low as $583/mo
Based on $6,999 system
  • No interest if paid in full
  • Minimum monthly payment required
  • Applies to equipment + labor
  • Same-day approval in most cases
Apply Now
18 Months — 0% Interest

Stretch your payments over 18 months with no interest for larger system replacements.

As low as $433/mo
Based on $7,800 system
  • No interest if paid in full
  • For qualifying purchases $5,000+
  • Applies to equipment + labor
  • Subject to credit approval
Apply Now
60 Months — Fixed Rate

Low fixed monthly payments for 5 years — ideal for full system replacements or commercial projects.

As low as $149/mo
Based on $7,800 system
  • Fixed rate, fixed payment
  • Terms vary by credit profile
  • No prepayment penalty
  • Subject to credit approval
Apply Now

Real Numbers

What Will My Payment Be?

System
Installed Price
Term
Est. Monthly
Good — Package Unit
$7,000
12 mo0%
$583/mo
Good — Split System
$7,800
18 mo0%
$433/mo
Better — Split System
$11,000
60 mo@ 7.99%
$223/mo
Best — Split System
$15,500
60 mo@ 7.99%
$314/mo

Estimates only. Actual payment depends on credit profile, term, and rate. Subject to lender approval.

Process

How Financing Works

1
Choose Your System

Browse our shop and select the unit that fits your home and budget.

2
Apply Online

We send you a financing link. Most decisions come back in minutes.

3
Get Approved

Once approved, your order is confirmed and inspection is scheduled within 24 hours.

4
We Install It

Installation within 72 hours. First payment isn't due for 30 days.

Common Questions

Financing FAQ

Who provides the financing?

We work with third-party HVAC financing partners including Synchrony and GreenSky. You apply online or by phone and typically receive a decision within minutes.

What credit score do I need?

Most 0% promotional offers require a credit score of 600 or above. Fixed-rate options are available for a wider range of credit profiles. We recommend applying — approval is more flexible than most people expect.

Does financing cover installation?

Yes. Our financing covers the total invoice — equipment, labor, permits, and any required accessories. You finance the full installed price shown at checkout.

Can I pay it off early?

Yes. There is no prepayment penalty on any of our financing options. Paying off early during a 0% promotional period avoids any deferred interest.

How do I apply?

Contact us or complete checkout online. We'll send you a financing application link. Most customers receive a decision the same day.

Don't wait out a Texas summer.

Get a new system installed this week and start your payments next month.