At Instant Air, we understand that heating and air conditioning breakdowns often come at inopportune times, and homeowners might not have the funds on hand to cover repairs or replacements. That’s why we offer multiple financing options to qualified buyers. In addition to our affordable rates and 20% discount with VIP membership, we offer these financing solutions:
Extremely Low Monthly Payment
For the lowest monthly payment, we offer a financing option that requires a regular payment of just 1.25% of the promotional purchase amount. In other words, your monthly payment would be just $100 on an $8,000 service. This financing option comes with a reduced 9.99% APR, and the estimated payoff period is 132 months. If you want to keep your monthly expenses as low as possible, this solution lets you spread the cost of a major repair or new equipment over much of the lifespan of a furnace or air conditioner.
Loan highlights: Reduced 9.99% APR and fixed monthly payments of 1.25% of the promo purchase until paid in full.
Balanced APR & Monthly Payment
If you can afford to make slightly higher interest rates, two other options offer interest-rate reductions in exchange for somewhat higher monthly payments. One financing option comes with 7.99% APR and monthly payments equal to 2.00% of the promotional purchase amount, and the other has an even lower 5.99% APR and monthly payments equal to 3.00% or promotional purchase amount.
Using the $8,000 service as an example, it’s easy to see how these two additional options provide added flexibility. The former solution would have a monthly payment of $160, and the latter’s monthly payment would be $240. As you survey the choices available, you can select the largest payment that fits within your budget in order to get the lowest interest rate you’re able to afford. The expected payoff timelines for these options are 61 months and 37 months respectively.
Loan highlights: Reduced 7.99% APR and fixed monthly payments of 2.00% of the promo purchase until paid in full or reduced 5.99% APR and fixed monthly payments of 3.00% of the promo purchase until paid in full.
Our best financing options offer 0% APR if paid in full within 18 months or 0% APR if paid in full within 36 months. If you simply need a little time to gather the funds or just want to take advantage of interest-free financing, these can be excellent solutions. Even some customers who could pay cash choose to take the 18-month or 36-month options.
With these solutions, monthly payments must be 2.50% of the highest applicable balance or fixed monthly payments equal to 2.778% of the promo purchase amount. Also, deferred interest will be charged from the date of purchase if the balance isn’t paid in full within the 18-month time frame. Regular account terms apply to non-promotional purchases on the 36-month financing option. Promotional Offer requires a qualifying purchase. Ask your dealer to see qualifying purchase details.
Loan highlights: 0% APR if paid in full within 18 months or 0% APR if paid in full within 36 months and fixed monthly payments equal to 2.778% of promo purchase amount until paid in full.
Expand Your Purchasing Ability with Synchrony’s Promotional Financing
In order to offer these flexible purchasing solutions, we’ve partnered with Synchrony. All offers are based on approved credit and may come with a $29 account activation fee. For those who are approved, though, Synchrony is among the nation’s premier consumer financing companies. The company has been around since 1932 and is known for having:
- A simple application process
- A fast credit decision
- Promotional financing solutions
- Convenient payment methods
- Online account management options
To find out what financing you’re able to qualify for, contact us today at 702-466-1884.
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