Does Aerosphere Electric offer financing?
Yes. Aerosphere Electric offers 0% APR financing through approved lenders for HVAC and electrical projects over $1,000. Common terms: 6, 12, 18, or 24 months interest-free for qualified credit. Longer terms (36, 60, 84 months) available with low APR. Application takes 5 minutes online and is credit-dependent.
What credit score do I need for HVAC financing?
Most 0% APR HVAC financing programs require a credit score of 660+ for the 0% promotional terms. Scores of 620-659 typically qualify for low APR (3-9%) financing. Scores below 620 may qualify for higher APR financing or special programs through Aerosphere's network of lenders. Free pre-qualification doesn't affect your credit score.
How long can I finance an HVAC system?
HVAC financing terms at Aerosphere Electric range from 6 months (typical 0% APR) up to 84 months (longer terms have low APR rather than 0%). Most customers choose 24-36 months. The longer the term, the lower the monthly payment but the higher total interest paid. Aerosphere shows you total cost in all scenarios.
Can I finance an EV charger installation?
Yes. Aerosphere Electric finances EV charger installations starting at $600 with the same 0% APR options as HVAC. Many customers combine EV charger + panel upgrade financing into one payment plan. Combined projects ($3,000-$6,500) typically finance at $89-$185 per month for 36 months.
Can I finance an electrical panel upgrade?
Yes. Electrical panel upgrades ($1,800-$7,000) are financeable with 0% APR options through Aerosphere Electric. Most homeowners finance panel upgrades over 24-36 months. Some emergency panel replacements (Federal Pacific, Zinsco, fire-damaged) qualify for special emergency financing terms.
Do you offer financing without a credit check?
Aerosphere Electric works with lenders that offer multiple credit tier options. There are special-credit programs available for borrowers who don't qualify for traditional financing, though APR is higher. Aerosphere is not a lender and does not offer in-house financing. We connect you with financing partners; final terms come from the lender.
How do I apply for HVAC financing?
Application is fast: (1) Get a written estimate from Aerosphere Electric (free for installations), (2) Click the financing link in your estimate or visit our financing page, (3) Complete the 5-minute application online (soft pull - no credit impact), (4) Receive a decision usually within minutes, (5) Sign the agreement, (6) Work proceeds on schedule. Aerosphere handles the process.
Questions? Call Aerosphere Electric
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