Need Help Now? Call Us 24/7

Financing available on select trane units

0% Financing Available with Greensky
  • Special promotional offers where available
  • Revolving line of credit that you can use for future purchases
  • Quick credit decision
  • Convenient monthly payments to fit your budget
  • Easy-to-use online account management and bill payment options

HVAC System Financing in Phoenix

At American Home Water & Air, we believe that everyone should have a high-quality HVAC system. That’s why we’ve partnered with Greensky and Microf to offer great HVAC financing options for Phoenix, Arizona residents.

Financing Options from GreenSky
Finance Your Project
2511 - No Interest if Paid in Full in 6 Months
2611 - No Interest if Paid in Full in 12 Months
Financing for GreenSky© credit programs is provided by federally insured, federal and state chartered financial institutions without regard to race, color, religion, national origin, sex or familial status. NMLS #1416362; CT SLC-1416362; NJMT #1501607 C22
GreenSky offers several flexible payment options for people with great credit, including 0% interest on 6 and 12-month loan terms. GreenSky is one of America’s leading consumer finance companies and has helped thousands of customers cover more than $5 billion in home improvement and healthcare costs. To apply for a 6-month loan, click here. For a 12-month loan, click here. To learn about GreenSky’s other loan options, click here.

Microf is a dedicated HVAC financing company offering lease-to-own options regardless of credit score. Their focus on the HVAC industry means they only partner with the best and most trusted companies. American Home Water & Air is proud to be one of Microf’s partners.

To learn more about financing from Microf, click here.

Wells Fargo is one of America’s leading banks, offering financing at competitive rates since 1852. With approved credit through Wells Fargo, you’ll enjoy easy monthly payments on new HVAC equipment with flexible terms and easy online access. 

To learn more about financing your next HVAC system with Wells Fargo, please contact us.

Why Choose HVAC Financing?

A good HVAC unit is a solid, worthwhile investment – particularly if you live in a place like Phoenix, where air conditioners run for much of the year. While the upfront savings of a cheap HVAC unit might be tempting (particularly if you’re budget-focused), you’ll end up costing yourself a lot in the long run via reduced efficiency and regular breakdowns. Financing for an HVAC replacement can help you get a much higher-quality unit that starts paying for itself immediately in the form of lower energy bills and maintenance costs.

Prioritize Comfort with HVAC Financing Deals

HVAC financing allows you to base your purchasing decision on long-term factors like efficiency and comfort rather than cost alone. Find the air conditioner that genuinely meets your needs. Cheap air conditioners that meet the mere minimum efficiency requirements will often leave you wanting more. Why not choose a top-of-the-line air conditioner with features such as:

  • Variable speed compressors
  • A high SEER rating
  • Effective humidity control
  • Air purification technology like air scrubbers

Wondering if You Qualify for HVAC Financing in Phoenix?

Each lender approves applications independently based on criteria such as:

  • Home Ownership
  • Reliable Income
  • Credit Score
  • Job Status

Don’t be intimidated! At American Home Water & Air, we’ve partnered with lenders that offer options for those with great and not-so-great credit scores alike. Microf does not take credit score into consideration when evaluating applications, which makes it a solid pick if you’re not sure whether you’d qualify.

Receiving dedicated HVAC financing is much cheaper (and potentially less damaging to your credit score) than financing your new air conditioner with a credit card or other high-interest option. Get in touch with us today and get started!

Contact Us to Learn More About HVAC Financing in Phoenix

Wondering if HVAC financing is right for you? Get in touch with American Home Water & Air to learn about your options in Phoenix. Qualifying customers can receive 0% financing on select high-quality Trane air conditioners.

Great Reasons to Choose Us for HVAC System Financing

American Home Water and Air has been Phoenix’s trusted HVAC service provider for more than 30 years. Here’s why.

Easy Online Approval Process

Our financing approval process is mostly online. Fill out the form on your schedule!

The Best Lenders

We've partnered with two of the most reliable HVAC financing companies in America – Greensky and Microf. You're in good hands!

100% Satisfaction Guarantee

Once you've secured financing, you can count on AHWA to install your new HVAC system to your utmost satisfaction. Our more than 1,000 positive reviews tell the story of our dedication and skill!

We Love What We Do

Making your home more comfortable is our passion, which is why we've been happily serving the Phoenix area for more than 35 years!

Responsive And Reliable

Help When You Need It Most


The well-being of our employees and customers is a priority for us during these tough times; therefore, AHWA is taking extra precautions due to the COVID-19 outbreak. As a safety measure, all AHWA employees experiencing COVID-19 symptoms will be required to self-isolate. Also, all technicians visiting customers’ homes will be equipped with gloves and masks. We hope this won’t impact our service and we will remain open for business until further notice. Thank you for choosing American Home Water and Air!