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Started By
Message
re: HVAC - Financing
Posted on 8/26/23 at 9:27 am to Tempratt
Posted on 8/26/23 at 9:27 am to Tempratt
I did. We had been in our home maybe a year. First home. Just married. Just about no money. The AC in the house was just ancient. The only way we could afford it was to finance it. Luckily, the deal was 0% for 60 months.
1
Posted on 8/26/23 at 9:42 am to OU812ME2
quote:
Got the big air filter,
Do those things actually work and last up to a year?
I have my doubts on a residential side and think this could be causing some issues by being restrictive on airflow.
Posted on 8/26/23 at 9:44 am to DeafJam73
quote:
0% for 60 months.
they offered that for my new F-250 but I didn't take the bait, I went with 7.5% for 84 months, got to get up pretty early to put one over on this baw
Posted on 8/26/23 at 9:49 am to Tarps99
quote:
Do those things actually work and last up to a year? I have my doubts on a residential side and think this could be causing some issues by being restrictive on airflow.
They told me to change mine quarterly. They were $60 a piece and I have 3 of them. I changed them every 6 months. I had one in for 10 months and when I asked about the pressure drop when they did their maintenance they said it was still looking good. So now I change them yearly. I do vacuum them about once a month. But when I say vacuum I mean when I’m regularly vacuuming dog hair up with a chord less Dyson and I just run it over the grating.
Posted on 8/26/23 at 10:30 am to Tempratt
I know some AC companies are pushing it. FIL offered a “deal” to finance a $14,000 replacement. Sent my guy to him and it was a $9,000 bill. So you’re getting a 50% up charge to finance.
Posted on 8/26/23 at 10:32 am to mytigger
quote:
So you’re getting a 50% up charge to finance.
That’s how they buy down the interest. Cost of capital is cost of capital. Ain’t no one sucking that up just to ge the business, they’re passing it along. Sometimes it just in the price or called a dealer fee or something but it’s coming through.
Posted on 8/26/23 at 10:43 am to billjamin
My price was the same whether I paid cash or financed.
Now I went through Wells Fargo so maybe they had some sort of deal worked out with Surgies
Now I went through Wells Fargo so maybe they had some sort of deal worked out with Surgies
Posted on 8/26/23 at 11:45 am to DukeSilver
quote:
Most places have 0% interest financing, you'd actually be stupid not to take advantage of a free loan.
I did.
Sent a check for 20k to pay off my student loans and two days later. My AC shite out.
Took the 36 mo 0% interest and paid it off in 24 mo.
Posted on 8/26/23 at 11:47 am to Tempratt
quote:if I had a nickel for everytime I've had to say this, I could pay cash for a new HVAC system
Mine is under-endowed.
Posted on 8/26/23 at 12:08 pm to Tarps99
quote:
Do those things actually work and last up to a year?
Mine does. It's huge. But all my air intakes are above chest height so it's mostly just dust and not hair/etc. I've looked at every one that has come out and they don't look bad at all. Nothing like the little 24x24x1 filter I used to use. It always looked like I kept it under the bed or under the fridge. I had my doubts as well, but once you see how many sqft they are, it makes sense.
Posted on 8/26/23 at 12:47 pm to Tempratt
A dealer can offer 12 months @ 0% and they will have very little finance fees from the creditor, similar to what a credit card fee would be. When you start getting to 36 months and more at 0%, the dealer will have up to 20% + in fees from the creditor.
Posted on 8/26/23 at 1:56 pm to Tempratt
If it is the same price in cash or 0% financing, you'd be an idiot not to finance. Use inflation to your benefit
Posted on 8/26/23 at 2:00 pm to sledgehammer
quote:
No, but I work with a guy who financed a Traeger grill.
Posted on 8/26/23 at 4:21 pm to Tempratt
I financed my roof for 3 years. Got tired of watching $500 get taken out of my account every month, so I just paid it off after a year.
Probably looking at replacing Hvac next summer. . I have enough saved to come out of pocket, but if I can finance it for a low enough monthly payment I may go that route
Probably looking at replacing Hvac next summer. . I have enough saved to come out of pocket, but if I can finance it for a low enough monthly payment I may go that route
Posted on 8/27/23 at 3:14 pm to Shanegolang
Got my AC fixed by a great local guy.
Screw Dream Team. More like Nightmare Team.
They hooked me into some maintenance contract where they are supposed to clean it and didn't clean it, then came and said a board was out and they couldn't do anything until Monday.
Called Scotty's and they had it running and cooling in the morning. Dream team is doodoo
Screw Dream Team. More like Nightmare Team.
They hooked me into some maintenance contract where they are supposed to clean it and didn't clean it, then came and said a board was out and they couldn't do anything until Monday.
Called Scotty's and they had it running and cooling in the morning. Dream team is doodoo
Posted on 8/27/23 at 3:23 pm to CaptSpaulding
There’s a pretty funny twitter page (can’t remember the name of it) but the guy purposely finances as much stupid shite as he can. He’ll pay-over-time a latte from Starbucks that comes out to like 6 monthly payments of 83 cents
Posted on 8/27/23 at 5:44 pm to DukeSilver
quote:
Most places have 0% interest financing, you'd actually be stupid not to take advantage of a free loan.
Not necessarily. These 0% ones they are giving out are more expensive. I just got a new system and paid in cash up front because the “0%” was going to be an extra 3-4K total cost. So ….
12k cash up front or 0% at 15k. Stupid.
Posted on 8/27/23 at 5:54 pm to TigerGM
We just did it... a total was $12.5k cash or 0% paid over 6 months... it was easier to pay 6.5 up front and 1K/month. the 'note' was carried by our A/C guy, not some finance company.
Posted on 8/27/23 at 6:27 pm to ShermanTxTiger
quote:
Free money is free money
Nothing is free. The AC company is raising their price to pay for the financing fee. Mine quoted 15K financed, 12K cash.
Posted on 8/27/23 at 7:32 pm to Drunken Crawfish
quote:
Not many people can come out of pocket $12,000 if their system needs to be replaced.
Jesus. That's how much they're running now?
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