Can I Finance a New AC System with $0 Down?
Yes — qualified Texas homeowners (typically 660+ FICO) can finance a new AC with $0 down through Frosty's lender partners. Spread the cost over 36-120 months. Soft prequalification — no hit to your credit score.
How Much Would My Monthly AC Payment Be?
A monthly AC payment from Frosty's HVAC typically runs $155-$285/month for a $12,000 Stay Frosty system on a 60-month plan at 8.99% APR, or $95-$115/month on 120-month terms. $8,000 Stay Cool systems start around $100/month on 120-month terms; $20,000 It's A Frosty Life systems run around $255/month on 120-month terms. Use the calculator below for your exact estimate.
Estimates only. Actual APR and monthly payment determined at credit check. Subject to lender approval.
How Does Frosty's Financing Work?
Frosty's financing works through Synchrony Bank and Service Finance — two top HVAC consumer lenders that approve Texas homeowners in about 60 seconds via soft-pull prequalification (no credit-score impact). I (Omar Jacobo) personally chose these two lenders after a year of testing six different financing partners — they have the highest approval rates and the lowest tendency to bait-and-switch on advertised APR.
Promotional 0% APR plans are available for 12-24 month terms — meaning if you can pay your system off within 24 months, you pay zero interest. Standard APR plans (60-120 months) typically run 6.99%-15.99%. If your system qualifies for the federal 25C credit (most heat pumps and high-efficiency AC do — see the official U.S. Department of Energy Residential Clean Energy Credit overview and the ENERGY STAR federal tax credits), the credit reduces your effective financed amount further. Every system we finance uses R-454B refrigerant per the EPA AIM Act, and efficiency ratings follow the DOE central-AC efficiency guidance. Our license TACLA126718E is required by lenders to finance HVAC equipment in Texas.
Common Plans
- 12 months @ 0% APR — Best for buyers planning to pay off quickly. Same as cash.
- 60 months @ 8.99% APR — Mid-range payment, reasonable interest.
- 120 months @ 12.99% APR — Lowest monthly payment for buyers prioritizing cash flow.
What Do Texas Buyers Ask About HVAC Financing?
Texas buyers ask five questions most about Frosty's HVAC financing: whether it's really $0 down (yes, for 660+ FICO), what the interest rate is (0% APR on 12-24 month promos, 6.99-19.99% on longer terms), whether they can pay off early (yes, no prepayment penalty), whether it affects their mortgage or home equity (no — unsecured personal loans), and what happens with bad credit (second-chance lenders serve 580-660 FICO at higher rates).