Unlocking HVAC Financing: A Guide to Your Options

Why Financing Your HVAC System Matters

Financing a new hvac system can be a lifeline when your air conditioner fails during a scorching Florida summer. The average cost of replacing an HVAC system is $7,500, with prices typically ranging from $5,000 to $12,500 depending on the type of system and installation complexity.

Here are the main financing options available:

Living in North Central Florida means your HVAC system isn’t just a luxury—it’s essential for your family’s comfort and health. When your system breaks down unexpectedly, the financial shock can be overwhelming. Most homeowners don’t have thousands of dollars set aside for emergency HVAC replacement.

“Family comfort often gets taken for granted—until there’s an AC outage or your furnace fails,” notes one industry expert. This reality hits especially hard during extreme weather when repair companies are backlogged with emergency calls.

Fortunately, you don’t have to choose between draining your savings and suffering in an uncomfortable home. Various financing options make it possible to spread the cost over time while getting the relief you need right away.

Whether you’re facing an emergency replacement or planning an energy-efficient upgrade, understanding your financing options can help you make the best decision for your home and budget.

Why You May Need Financing Fast

When your HVAC system fails in the middle of a Gainesville summer, where temperatures regularly climb into the 90s, the situation quickly becomes an emergency. Here are common scenarios our Comfort Temp technicians encounter:

• Complete system failure during a heat wave, leaving families with no cooling options
• Major component breakdown that makes repair costs nearly as expensive as replacement
• Older systems becoming inefficient, causing utility bills to skyrocket
• Unexpected home purchase issues when inspection reveals HVAC replacement is needed immediately

As one Comfort Temp customer from Newberry explained: “Our AC died on a Friday afternoon when it was 95 degrees outside. We have two small children and couldn’t wait weeks to save up for a new system. The financing option meant we could have cool air by Sunday evening.”

Understanding HVAC Financing Basics

When it comes to financing a new HVAC system, you’re essentially getting a way to keep your cool (or warmth) without draining your bank account all at once. Instead of handing over a big lump sum, you borrow the money, pay for your new system and installation, then repay the lender through manageable monthly payments. Before you jump into any offer, let’s make sure you’re comfortable with the basics.

Loan Types: Secured vs. Unsecured

Most HVAC financing options fall into two main types: secured and unsecured loans.

A secured loan means you’re putting something valuable—usually your home—up as collateral. This includes things like home equity loans or HELOCs. Lenders like these because if you stop paying, they have your house as backup. The upside for you? You’ll often get a lower interest rate. The catch? If things go sideways, your property could be at risk.

On the other hand, unsecured loans—like personal loans and credit cards—don’t require any collateral. The bank is basically trusting you’ll pay them back, so they charge higher interest rates to cover their risk. The upside: your home isn’t on the line. The downside: your interest rate and approval chances depend more on your credit score.

Key Financing Terms to Understand

Let’s talk through a few terms you’ll see when looking at financing a new hvac system:

• APR (Annual Percentage Rate): This is the big number—your yearly interest rate including any fees. Lower APR means you’ll pay less overall, so keep your eyes peeled for this one.
• Loan term: This is how long you have to repay the loan. HVAC financing usually ranges from 1 to 7 years (12 to 84 months). A longer term means smaller payments, but you’ll pay more interest in the long run.
• Fixed vs. variable rates: Fixed rates stay the same for the life of your loan, so there are no surprises. Variable rates can change unexpectedly, so your payment could go up (or down).
• Prequalification: Want to know if you’ll be approved without dinging your credit score? Prequalification is your friend. It’s a quick check, not a full application.
• Origination fees: Some lenders charge a one-time fee (usually 1–8% of the loan) just for setting up your loan. It’s best to ask about these up front.
• Prepayment penalties: Watch out for lenders who charge you a fee for paying off your loan early. It’s rare, but it happens.

A financial advisor once summed it up well: Lenders weigh the risk of lending you money against the reward they get from your interest payments. That’s why your credit score, income, and whether your loan is secured or unsecured all help determine your rate.

Understanding these basics will help you feel confident when comparing offers—whether you’re looking at a loan from your bank or a quick-approval payment plan through your HVAC company. With a little knowledge, you can ask the right questions and avoid any financial surprises down the road.

Average HVAC System Costs & How Much to Borrow

Before you start financing a new hvac system, it’s crucial to know how much you’ll really need to borrow. HVAC costs aren’t one-size-fits-all—they can surprise you, just like Florida weather. Let’s break it down so you’re prepared, not panicked.

Typical HVAC System Price Ranges

Here’s what most homeowners in North Central Florida can expect to pay for a new system, including installation:

As you can see, prices can vary a lot depending on what your home needs. The good news? There’s a financing option out there to match nearly every situation.

Factors Affecting Your Total Cost

Your final price tag depends on several key factors. Home size and layout play a big role—bigger homes need more powerful (and pricier) systems. Choosing a high-efficiency model with a better SEER rating costs more upfront, but it can save you a bundle on energy bills every year.

Installation complexity also matters. If your home has tricky attic access or needs special modifications, expect higher labor costs. And don’t forget about your ductwork: leaky or damaged ducts can drive up costs fast if they need repairs or replacement.

Adding extras like air purifiers, humidifiers, or smart thermostats can make your new system even better—just know these will bump up your total investment.

At Comfort Temp, we don’t believe in cookie-cutter solutions. Our techs always do a thorough load calculation to make sure your system is sized right. (Fun fact: “bigger” isn’t always “better”—the perfect match keeps you comfy and your energy bills under control.)

How Much Should You Finance?

Figuring out how much to finance is about more than just covering the basics. While it’s tempting to borrow the lowest possible amount, it’s smart to plan for the complete system, including any essential ductwork repairs. Skimping now could mean efficiency headaches and may even void your warranty.

Consider including a small buffer of 5–10% to handle any surprises uncovered during installation. It’s also worth looking at energy-efficient upgrades—these might qualify for local rebates or federal tax credits, lowering your overall cost in the long run.

And remember: a high-quality, professionally installed system can last 12 to 20 years. Taking the time to finance the right amount now can give you peace of mind and steady comfort for years to come.

If you have questions about what your home really needs or want expert advice on financing a new hvac system, Comfort Temp’s here to help—serving Gainesville, Jacksonville, and beyond.

Financing a New HVAC System: 6 Popular Options

When your AC quits during a Florida heat wave, knowing your options for financing a new hvac system can be a real lifesaver. Let’s walk through the choices that might work best for your situation, whether you need immediate relief or are planning ahead.

Dealer & Manufacturer Plans – financing a new hvac system

Many of our Comfort Temp customers choose to finance directly through us because it’s straightforward and convenient. The process is refreshingly simple: apply during your consultation (or even online beforehand), get a credit decision often within minutes, and schedule your installation once approved. You’ll start making monthly payments after your new system is up and running.

The real appeal here? Special promotional rates—often including 0% APR for periods ranging from 6 to 60 months. It’s truly one-stop shopping that saves you from juggling multiple applications elsewhere.

At Comfort Temp, we partner with trusted financial institutions like Wells Fargo, offering their Home Projects credit card with special terms for qualifying purchases. As one of our financing specialists likes to say, “Your new system might actually save you money when you factor in the energy efficiency gains from modern equipment.”

Just keep in mind that those attractive promotional rates typically require good to excellent credit (usually 690+). And watch out for “deferred interest” promotions that can charge retroactive interest if you don’t pay in full by the deadline.

Personal Loans for financing a new hvac system

Personal loans offer a straightforward alternative with predictable payment schedules. You’ll shop and compare rates from various lenders, apply (most online applications take minutes), receive funds directly to your bank account, and then pay Comfort Temp for your installation.

The beauty of personal loans is their simplicity: fixed interest rates (typically ranging from 6.99% to 35.99%), predictable monthly payments, and no need to put your home up as collateral. Most borrowers receive their funds within 1-7 days, making this a relatively quick option when you need cooling relief soon.

Our customers with excellent credit often mention LightStream for their competitive rates, while those with credit challenges have had success with Upgrade and Upstart, which work with scores as low as 580. Just be aware that many lenders charge origination fees (1-8% of your loan amount), and terms typically range from 2-7 years.

Home Equity Loans & HELOCs

If you’ve built up equity in your home, you might access the lowest interest rates available through home equity products. These come in two main flavors:

With a home equity loan, you’ll receive a lump sum with a fixed rate—essentially a second mortgage. You’ll make fixed monthly payments over 5-30 years, providing predictable budgeting.

A Home Equity Line of Credit (HELOC) works more like a credit card secured by your home. You’ll have a flexible draw period (typically 10 years) when you can borrow and repay repeatedly, paying interest only on what you use.

The interest rates on these products are substantially lower than unsecured loans (typically 7-15%), and the interest might be tax-deductible for home improvements (always consult your tax advisor). You can also borrow larger amounts based on your available equity, potentially covering your HVAC system and other home improvements in one transaction.

Financial advisor Baruch Silvermann puts it perfectly: “Home equity loans generally have lower interest rates because they’re secured by the borrower’s home. But this security comes with risk—defaulting could mean losing your home.” The approval process also takes longer—usually 2-6 weeks—so this isn’t your best option for emergency replacements.

For more detailed information about home equity options, check out the Consumer Financial Protection Bureau’s guide to home equity loans.

Credit Cards & 0% Intro Offers

For smaller HVAC projects or if you can pay off the balance quickly, credit cards offer convenience and potential rewards. You can use an existing card or apply for a new one with a promotional offer, pay for your system, and ideally pay off the balance before any promotional rate expires.

The immediate funding and possible rewards (cash back or travel points) make this attractive for some homeowners. Many cards offer 0% APR promotional periods for 12-21 months, giving you a nice interest-free window.

However, we’ve seen too many homeowners get caught when promotional periods end. Regular APRs are typically high (16-25%+), and missing payments can trigger penalty rates approaching 30%. As one of our customers ruefully told us, “I thought I’d pay it off in time, but life happened—and those interest charges were painful.”

Government Programs, Grants & Rebates

Uncle Sam and local utilities want to help you upgrade to energy-efficient systems! Various programs can significantly reduce your costs:

Federal Tax Credits now offer up to $2,000 for qualifying heat pumps and ductless systems and up to $600 for qualifying furnaces and air conditioners. These credits are available through 2032 with no income limits.

LIHEAP (Low Income Home Energy Assistance Program) provides help for low-income households and may cover emergency HVAC replacement in some cases, though eligibility varies by state.

FHA Title I Loans are government-insured loans specifically for home improvements. You can borrow up to $25,000 for HVAC and other upgrades, often with lower interest rates and longer repayment terms (up to 20 years).

Here in North Central Florida, we’re lucky to have several utility companies offering rebates for energy-efficient upgrades. These typically range from $150-$1,500 depending on efficiency ratings. At Comfort Temp, we help our customers steer these programs to maximize their savings. As our rebate specialist always says, “Call your utility company to check your eligibility—there’s free money waiting for you!”

You can check your eligibility for many energy efficiency programs through the TVA EnergyRight financing program.

Lease-to-Own & Bad-Credit Alternatives

Even if your credit score has seen better days, you still have options for financing a new hvac system. Lease-to-own programs like Microf don’t require minimum credit scores, making them accessible to almost everyone.

The process is straightforward: apply (often with same-day approval), choose your term length (typically 36, 48, or 60 months), make monthly payments, and take ownership at the end of the term. Many programs also offer early purchase options with discounts.

While these programs cost more over time than traditional financing, they provide a path to ownership when other doors are closed. They typically verify your income rather than focusing solely on credit history.

At Comfort Temp, we’ve seen these programs help many families in Gainesville and Jacksonville who thought they had no options. One customer told us, “I was prepared to sweat through another summer after being denied elsewhere, but your lease option got my family cool air within days.”

Comparing Where to Borrow: HVAC Company vs Bank vs Credit Union

When it comes to financing a new hvac system, where you choose to borrow can make a big difference—not just on your monthly payment, but on your long-term costs and your peace of mind.

Let’s take a closer look at the three main places homeowners in North Central Florida usually turn for HVAC financing: right through your HVAC company, your local bank, or a credit union.

HVAC Company Financing

Many folks love the convenience of handling everything in one place. When you finance through a trusted HVAC company like Comfort Temp, the process is fast and simple. Applications often take just minutes, and you might even score promotional rates—sometimes 0% APR for a set period. No need to hunt for other contractors or juggle extra paperwork.

But keep your eyes peeled. After that sweet 0% period, rates can jump up—sometimes to 20% or more. And while the paperwork is easy, you may not get much wiggle room to negotiate your loan terms. Some companies build financing costs right into the system price, so the total might be higher than paying cash.

Banks

Banks are a familiar choice, especially if you already have an account or a long-standing relationship. They typically offer a wide menu of loan products, from unsecured personal loans to home equity options. You’ll get established lending standards and sometimes a discount if you’re already a customer. Online applications and digital account tools can also make things easier.

However, banks can be a little less flexible. Approval is often stricter, and the process can take longer—sometimes days or even weeks, especially for larger loans. In some cases, you might have to pop into a branch to finalize things. Fees can also be higher than what you’ll find at a credit union.

Credit Unions

Credit unions are the neighborhood champs for many homeowners. They tend to offer lower rates than banks, and their lending standards are often a bit more personal and flexible. If you like the idea of lower fees and a more member-focused, friendly service, this might be your best bet.

Just keep in mind: you’ll need to join the credit union first, and they sometimes have fewer locations or less fancy online tools. Loan limits can be a little smaller too, depending on your credit and their specific programs.

A financial advisor once put it this way: “Rolling your HVAC installation and payment plan together can be super convenient—just make sure it’s actually the best deal for you. Always look at the total cost, not just the monthly payment.”

The Hidden Truth About 0% Financing

We’ve all seen those tempting “0% financing” offers from HVAC companies. They sound like a dream, but here’s the catch: the cost of that financing is often baked into a higher sticker price for your equipment. So, even if the interest rate is “zero,” you might still be paying more overall—sort of like paying for an all-you-can-eat buffet when you only wanted a snack.

One industry insider shares, “Dealers often bump up the system price to offset their costs from the lender. So, even if it looks like free money, you could still be paying a hidden APR.”

Our Recommendation

Before you sign on the dotted line, always ask your HVAC provider for both the cash price and the financed price. If there’s a difference, figure out how much extra you’re actually paying over the term of the loan. That’ll tell you the true APR—and whether financing a new hvac system this way really makes sense for your wallet.

No matter which path you choose—direct with Comfort Temp, your bank, or a credit union—take a little time to compare the total costs, rates, fees, and the level of service you’ll get. A little research now can save you plenty of money (and stress) down the road.

Eligibility, Credit Scores & Application Timeline

When you’re ready to start financing a new HVAC system, it helps to know what lenders are looking for—and how you can get your paperwork in order for a smoother approval. Let’s break down what really matters, and how you can put your best foot forward.

Credit Score Requirements

Your credit score is usually the first thing lenders check. For most HVAC company 0% promotions, you’ll want a score of 690 or higher, though the sweet spot for the lowest rates is 720+. Standard dealer financing is typically available for those with a score above 625, but better terms start at 680.

Personal loans have a wider range—many lenders will work with scores as low as 580 or 660, though you’ll get the best rates above 700. If you’re considering a home equity loan or line of credit, aim for 620+ as your starting point, but you’ll qualify for the lowest rates above 700. Credit card 0% intro offers usually require a 690+ score, and the top rewards cards often want to see 740 or above. For lease-to-own programs, your score matters much less; these are often based on income, not credit.

As one Lennox rep likes to put it: “We’ve got options for just about every credit profile. Don’t be shy—ask your dealer about special offers that fit your situation.”

Income and Debt Requirements

Of course, lenders don’t just look at your credit score. They also check:

• Debt-to-income ratio: Ideally under 43–45%, meaning your total monthly debt payments (including the new loan) shouldn’t take up too much of your paycheck.
• Employment history: A steady job (or regular income) boosts your chances.
• Proof of income: Be ready to share recent pay stubs or tax documents.
• Current credit use: If most of your credit cards are maxed out, it may hurt your application. Try to keep your balances under 30% of your available credit.

Application Process and Timeline

Let’s talk about what it’s actually like to apply for financing a new hvac system. First, gather your system quotes and decide how much you need to borrow (don’t forget to include any ductwork or insulation upgrades you want). Many lenders now offer prequalification online, which gives you a sneak peek at your rates without any hit to your credit score.

Once you’re ready, you’ll fill out a formal application and upload your documents. If you’re working with an HVAC company, you might get an answer in just minutes—or at most, a few hours. Personal loan lenders typically respond within a day or two, and if you’re using home equity products, those can take a few weeks since there are extra steps like appraisals.

As the industry likes to say: “Dealer financing is usually lightning fast—often approved in seconds. Other lenders can take a bit longer, but a little patience can mean a better deal.”

Required Documentation

You don’t need to haul out a mountain of paperwork, but you will need a few basics:

• A government-issued ID
• Proof of income (recent pay stubs, W-2s, or tax returns)
• Proof of where you live
• Social Security Number
• Bank account information
• The official system quote from your contractor

Having these ready can help speed things up—no one likes last-minute scrambling when it’s 95°F outside!

What Happens If You Miss Payments?

Let’s be honest, life can throw curveballs. If you hit a rough patch and miss a payment, here’s what to expect:

You’ll likely face a late fee—often 5% of the payment or a flat $15–$50. If you fall more than 30 days behind, your credit score could drop by 50 to 100 points, and for some loans, your interest rate may jump to a much higher penalty APR. If your loan is secured (like a home equity loan), your property could even be at risk.

For longer delays, your account could go to collections and, in rare cases, end up as a legal matter. But here’s the good news: at Comfort Temp, we encourage open communication. If you’re having trouble, let us know as soon as possible. We’ll work together to find a solution—whether it’s a payment plan or other support—so you can stay comfortable at home without added stress.

Bottom line: Preparing for the loan process helps you lock in the best rates and speeds up your installation. And if you need help at any stage, your Comfort Temp team is just a call away, ready to guide you every step of the way.

Incentives, Energy Efficiency & Long-Term Savings

Financing a new hvac system isn’t just about making monthly payments—it’s about open uping real, lasting value for your home and your wallet. With today’s high-efficiency systems and a range of incentives, your investment can pay you back in ways you might not expect.

Federal Tax Credits

Thanks to the Inflation Reduction Act, the federal government is offering generous tax credits to help you go green. Here’s what you can save:

• If you install a qualifying heat pump, you can claim up to a $2,000 tax credit (that’s up to 30% of your project cost).
• For a central AC system or a new gas furnace (at least 95% AFUE), the credit goes up to $600.
• These credits are available through December 31, 2032.

This isn’t a deduction—it’s an actual reduction in the taxes you owe, so it’s like getting part of your system paid for by Uncle Sam!

Florida-Specific Incentives

Living in North Central Florida means you may qualify for even more perks. Many local utility companies offer rebates (sometimes $150 up to $1,000) when you choose a high-efficiency HVAC system. Manufacturers also love to roll out seasonal promotions—think rebates from $500 to $1,500 if you upgrade at the right time of year. Some lenders even offer lower interest rates for energy-saving models. (For up-to-date info, see the Florida HVAC Tax Credits and Incentives page.)

Energy Savings: Your Hidden Bonus

Here’s where financing a new hvac system really starts to shine. Modern, ENERGY STAR®-certified systems don’t just keep you comfortable—they use a lot less energy. That means:

• You could save up to $200 per year on cooling costs alone.
• Got a drafty attic? Add insulation and you may save another $200 every year.
• If you switch to a high-efficiency heat pump, you might cut your energy use for heating by 50% compared to electric resistance heat.

Think about it: over 15 to 20 years, these savings can add up to thousands of dollars—often enough to cover a big chunk of your financing payments.

A real-world example from our own Gainesville backyard: one Comfort Temp customer replaced their old 10 SEER unit with a new 18 SEER heat pump. Their summer electric bills dropped by $87 a month! That’s almost half their monthly financing payment, covered just by using less electricity.

Bundling Energy Upgrades for Maximum Impact

If you’re already financing a new hvac system, it’s smart to consider wrapping in a few extra upgrades. Things like duct sealing, attic insulation, smart thermostats, and improved air sealing can boost your comfort and shrink your bills even further. In fact, sealing and insulating your ducts can reduce energy loss by up to 30%, and a smart thermostat can trim another 8-15% off your heating and cooling costs.

The best part? Many lenders let you add these improvements to your financing package—and they might qualify for more rebates or credits, too. It’s a win-win: a more comfortable, energy-efficient home and lower bills for years to come.

If you want to see what incentives and savings are available for your specific home, reach out to the Comfort Temp team anytime. We’re here to help you find the most affordable path to long-term comfort—and real savings—through financing a new hvac system.

Frequently Asked Questions about Financing a New HVAC System

What credit score do I need?

Let’s face it – your credit score matters when financing a new hvac system, but the good news is there’s likely an option for nearly everyone. The minimum score needed really depends on which financing route you take:

For those promotional 0% APR offers that sound so attractive? You’ll typically need a score of 690 or higher to qualify. Standard HVAC financing through companies like Comfort Temp generally requires scores in the 625-650 range.

If your credit has a few bumps and bruises, don’t worry! Some personal loan providers work with scores as low as 580, while home equity products usually look for 620+. And if your credit is still rebuilding, lease-to-own options focus more on your income than your score.

“We see customers across the entire credit spectrum,” shares one of our Comfort Temp financing specialists. “There’s almost always a path forward, even if it’s not the option you initially had in mind.”

If your score isn’t quite where you’d like it, consider bringing a co-signer with stronger credit on board, exploring our lease-to-own programs, checking if you qualify for assistance programs, or simply making a larger down payment to reduce the lender’s risk.

Can I bundle insulation or ductwork with my loan?

Absolutely! In fact, bundling complementary improvements with your HVAC financing is one of the smartest moves you can make. Think of it as the home comfort equivalent of a complete meal deal – you get everything you need in one package.

Most HVAC financing options welcome the inclusion of related improvements like ductwork repairs or insulation upgrades. Home equity loans and HELOCs are particularly well-suited when you’re thinking about more comprehensive home improvements. Personal loans are wonderfully flexible and can cover virtually any home upgrade you can imagine.

Here in North Central Florida, our unique climate demands properly sealed and insulated ductwork to maintain efficiency. When you bundle these improvements, you’ll not only maximize your system’s performance but might also qualify for additional utility rebate incentives.

At Comfort Temp, we can provide comprehensive quotes that include all necessary system components and complementary improvements. Our technicians can identify which additional upgrades would give you the biggest comfort and efficiency boost for your investment.

Is it better to lease or finance?

This question reminds me of the classic “rent or buy” debate – the answer depends entirely on your specific situation and goals.

Financing typically makes more sense if:
– You’re planning to stay put in your Florida home for the long haul
– Your credit score is in decent shape (650+)
– You want to build equity in your HVAC equipment
– You prefer predictable fixed monthly payments

Leasing might be your better option if:
– Your credit has seen better days
– You need cool air restored ASAP with minimal upfront costs
– You appreciate having an early purchase option for flexibility
– You’d prefer to avoid a formal loan application process

As one of our financial advisors puts it: “Financing generally gives you more bang for your buck because you’ll own the equipment outright, potentially increasing your home’s value. Leasing can lower those initial costs but might cost more over the full term.”

At Comfort Temp, we’ve helped thousands of Gainesville and Jacksonville area homeowners steer this decision. We’re happy to walk through both scenarios using your actual numbers so you can see exactly how each option would work for your specific situation and budget.

Conclusion

Financing a new hvac system doesn’t have to feel like climbing a mountain. With today’s variety of payment options, most Florida homeowners can find a comfortable solution that won’t keep them up at night.

Here at Comfort Temp, we see how each North Central Florida family’s situation comes with its own unique considerations. That’s why we don’t take a one-size-fits-all approach to financing. Instead, we work alongside you to explore flexible payment plans while helping identify those valuable rebates and incentives that can significantly lighten your financial load.

Our dedicated team proudly serves Gainesville, Jacksonville, and the surrounding communities with genuine 24/7 emergency service (because AC emergencies rarely happen at convenient times!). We’ll walk you through the entire financing journey from initial consultation to final installation, ensuring you not only get the perfect system for your home but also a payment arrangement that respects your budget.

Before you make any decisions, remember these five financing fundamentals:

Compare multiple options so you know you’re getting the best deal possible. Just like you wouldn’t buy the first car you test drive, don’t jump at the first financing offer you receive.

Look beyond the monthly payment to understand what you’re truly paying over time. A lower monthly payment stretched over many years often means paying more in the long run.

Factor in energy savings when calculating what you can afford. A more efficient system might cost more upfront but save you hundreds each year on utility bills.

Explore all available rebates and incentives – from utility company offers to federal tax credits, these can substantially reduce your bottom line.

Choose a reputable contractor who understands both the technical aspects of HVAC and the complexities of financing. The right partner makes all the difference.

Ready to explore your options for a more comfortable, energy-efficient home? Our Comfort Temp team is standing by to provide a free, no-pressure consultation and personalized financing guidance. We’re committed to helping you create the comfortable home environment you deserve, with a payment plan that lets you sleep soundly at night – in perfect comfort, of course.

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