HVAC Financing and Rebates: Questions Before You Commit

We have this stigma that financing is a bad word. And the car industry has been financing cars for a long time cuz this is a big expense and not everybody has, you know, just 30, 40 thousand dollars laying around. Why then do we take the same attitude when it comes to financing your air conditioner? Because it's 2026, the economy is doing what the economy does and a new air conditioner is expensive. Sometimes, if you're paying 12, 13, 14 thousand dollars for that change out, well now we can finance that system. So, like here at Hero Plumbing and Sons, we have zero percent offers happening all the time, meaning that we could make a new system cost as low as like 180 bucks in financing per month for six years. So, financing your system is a way to make sure that we're doing business with a credible company. And if they don't, run far, run fast. That right there is one of the first ways that I would check and see if a company is legit. Do they have a financing tab on their website and who are the banks that they're doing business with? Hero >> [singing] >> Plumbing [music] and

Utility companies in Oklahoma often times have rebates. Those rebates are contingent on how much cash is available at hand to provide incentives for people to replace their HVAC system or do repairs or do maintenance. At the end of the year, those rebates often times run out. There's only so much funds available to put towards those particular items or those particular tasks. So, rebates can be available, but I know from customers of mine as well as conversations with utility companies that those funds are running low or completely gone. And so, don't count on a rebate at the end of 2026 if you're planning on replacing your HVAC system. So, rebates may or may not be available, but don't let that be the reason you don't proceed with doing a system replacement or a maintenance or a service because at the end of the day, making sure your system is running correctly and efficiently is going to help you on your utility bills, going to help your on your comfort, and often times, I know this is true for us, we offer incentives at the end of the year to do system replacements because the bulk of our purchasing has already happened. Uh we're in the latter half of the year, and what happens is we're able to provide incentives to our homeowners. So, don't let rebates be the reason you don't proceed with a system replacement, but if you're planning on a replacement and you know that you're going to do that come spring, that'd be a great time to utilize it cuz a lot of times those rebates are going to be available in spring time versus the latter half of the year. So, hope that's helpful.

what's included in the quote. One of the main reasons I think it's important for a customer to get this question answered is one to verify the caliber of company they're working with. Two, to get peace of mind to know is everything that that we're talking about going to fix my problem. The stats show that most people will only buy two HVAC systems in their life. So, this isn't a huge like, you know, once every 3ear purchase. Most people will only have to go through this process twice. So, make sure that you get the what's included in my quote answered before moving forward with any company. Young Rose.

Buying an HVAC system in 2026, there are some incentives and rebates that are often available through your local utility companies. So, in in Oklahoma specifically, we have a Oklahoma Natural Gas, OG&E, and big electric companies. Often times, your utility companies will offer incentives for replacing your older outdated HVAC equipment to get newer higher efficient equipment. And you're like, well, how why in the world would they do that? Well, they can maintain a better energy kilowatt usage for what they have, and then they can sell that sell that energy that they have someplace else. If you are in the circumstance where you have to buy an air conditioning system in 2026, there are some rebates and incentives available through your utility companies as well as your as often times your your HVAC company that you're choosing to do work with. Your home. >> [singing] [music]

Don't ignore the financing terms. Devil's in the details. We'll go to a 15, 18, 25% interest rate. Uh, and it'll be a 10-year term, you know. So, it can be more expensive than like a credit card interest rate, and we want to avoid that. Any company that is offering financing should be able to communicate clearly what those standards of financing terms are and what you need to do to avoid some skyrocketing interest on the back end or what it actually means for you as a homeowner and if there's penalties for early pay or not. You get hooked into a 0% financing deal. A lot of times after that financing promotion period is over, the interest rate will skyrocket. Um, a company that you're choosing one should be offering financing uh in some way, shape or form. You should be able to find that easy listed on their website who their partners are. That should be clear and upfront. If it's not, I would find somebody else to do your work.