Your HVAC dealer should be able to offer you a competitive financing plan when you purchase a heating and cooling system. But shop around and see who has better offers. Even if you have found the product line and company you trust, perhaps you can negotiate a better financing deal if you present quotes from other companies.
Here are features to look for in financing offers:
1.) Competitive interest rates;
2.) Low monthly payments that fit your budget;
3.) No penalties for paying off your debt early;
4.) Small or no downpayment;
5.) No annual fees.