Put the Credit Cards Down ...
Fast, Affordable Fixed Rate Financing

Fixed Interest Rate Financing

If you're considering HVAC financing the options can get confusing because there are a lot of options out there. If you're like most people, the last thing you want to do, in this financial climate, is open up another credit card with a variable interest rate.

Hopefully, we can shed some light on the subject and help you learn more about your HVAC financing options so that you can make the best decision for your home and family.

Checking will not affect your credit score

Benji is the Smart Choice ...

Checking will not affect your credit score

  • Revolving Credit HVAC Financing - Revolving credit cards are usually what you will get when you use a big box store as a middle-man when purchasing a new HVAC system. These store cards are convenient, but they also can lower your credit score because they are known as "Revolving Credit." For instance, one way this could affect your credit score is if they issue you a $6000 card and you have to use all of it to install your new HVAC system. It will then appear that you are "maxed out" on your credit report. Then of course you have the variable interest rates. These variable rates have a tendency to always go up.
  • Fixed Rate Loans (We call it Benji financing) - Fixed rate loans are issued through finance companies like Finance Home America. These loans appear as an installment loan on your credit bureau (just like a car loan). Meaning there is a beginning and an end to the payments. These types of loans do not affect your credit score, unless you are overloaded with other debt. These loans often have 0% interest and $0 down options just like the revolving credit cards have, only the interest rate will be fixed for the life of the loan.
  • Home Equity Loans - Home Equity loans are an interesting combination of credit card revolving debt and fixed rate loans. The difference is that you are securing the loan with the equity in your home, which means, that should you not repay the loan as agreed, your home can be taken as collateral. Most of these loans require a mortgage application, income verification and means-testing.

Payment Estimator

Loan Amount
Minimum loan amount is $2000
$2,000 $30,000
Loan Term
Loan terms available: 60 mos (5yrs), 84 mos (7yrs), 120 mos (10yrs), 144 mos (12yrs)
60 months
84 months
120 months
144 months
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Interest rates and payments are estimates and are subject to change.
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