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re: New A/C System - Pay in Full or Finance?

Posted on 7/8/26 at 9:53 am to
Posted by Judnnc
Member since Jun 2025
765 posts
Posted on 7/8/26 at 9:53 am to
3 ton gas pack for 9.5 cash vs over 11 financed. paid cash.
Posted by Jake88
Member since Apr 2005
80622 posts
Posted on 7/8/26 at 10:05 am to
When i shopped around in 2019 Moreau's was the best price for the same unit I was looking at. You will will get differences in the thousands. Id recomme t getting at least 6 quotes. I generally don't bother with companies that have a fleet of ad wrapped vans.
Posted by SoggyCerealClub
Member since Apr 2026
160 posts
Posted on 7/8/26 at 10:11 am to
My 22 year old unit slowly leaks freon. I’ve been told I need a new unit but I’m putting it off until the thing is dead for good. In the meantime, found a supplier for the old r22, bought a tank last year, filled up the unit and it’s been running flawlessly.
Posted by cheobode
Member since Dec 2017
1559 posts
Posted on 7/8/26 at 10:16 am to
quote:

Home improvement financing has some of the most asinine mark ups I’ve ever seen in my life.


My father in law has "a guy" for everything. He recently changed out his 4 ton unit. He bought the unit himself for $4k and his guy changed it out for $2K
Posted by clamdip
Rocky Mountain High
Member since Sep 2004
21917 posts
Posted on 7/8/26 at 10:21 am to
quote:

Cash price was $9500, 0% financing for 24 months was $10K, I did the 0% for 24 months.

Seems smart since that's about 2.6% interest annually.

Posted by Dixie2023
Member since Mar 2023
5546 posts
Posted on 7/8/26 at 10:25 am to
Thank you.
Posted by PurpleandGold Motown
Birmingham, Alabama
Member since Oct 2007
24674 posts
Posted on 7/8/26 at 10:28 am to
If he's your guy, and honest, pay him cash. He'll likely service it if something goes screwy with the install for free or very little.

I made the mistake of financing my $9K install 3 years ago and have had nothing but problems. Went out a few weeks ago. I called them out and they wanted $500 to replace a bad transformer ($15 part) in a unit that had been blowing fuses every month. I told them that seems like a you problem and not a me problem. Called my father and he sent over a guy that did it for $40 and a firm handshake.

If you've got a "guy" pay the guy. Companies will frick you anyway they can.
Posted by wrongRob
Tampa FL
Member since Oct 2017
1425 posts
Posted on 7/8/26 at 10:57 am to
Where in Florida?
Posted by BigAL Golesh
Toomer's Corner
Member since Apr 2026
611 posts
Posted on 7/8/26 at 11:08 am to
quote:

Is $9,500 for a Carrier 3 ton unit a good deal? More importantly, I have the money to pay for the new A/C system outright. Would it be better to pay off in full at installation or finance?
its about more 1k than I paid for mine. Had the same issue. The coils were so clogged it would freeze up and leak.

I paid in full. No sense paying interest when you have the cash on hand.

the new unit saves me about 25 percent on my electric bill each month. Well worth the upgrade


eta: 1k difference is probably the duct work
This post was edited on 7/8/26 at 11:14 am
Posted by GetmorewithLes
UK Basketball Fan
Member since Jan 2011
23183 posts
Posted on 7/8/26 at 12:48 pm to
quote:

Had my A/C guy who I have used for years come out. He cleaned out the drain line but advised it was already clean due to the maintenance I perform. He advised it's the evaporator coils that are causing the leak.



This makes no f'ing sense. No way the AC unit is causing a condensate leak external to the unit. At least that is the way you described it...
Posted by wrongRob
Tampa FL
Member since Oct 2017
1425 posts
Posted on 7/8/26 at 1:10 pm to
Is your unit a heat pump?

Reason I ask if you lose refrigerant slowly or have a small leak, chances are it's in the Evaporator Coil.

Providing this is the case and it's a heat pump you're probably losing most of the refrigerant when it's calling for heat.

22 units run at a fraction of the pressures r410a or the newer r454. They are resilient.

I would run that unit and possibly change the Coil if that is the problem. Especially if you have a line on 22. Check your liquid line drier if it's rusty you may find your issue there.

I just replaced my R22 system and all my ducts, as I'm considering selling after a new home build. The r22 unit that was there will roll around on a cart in my new shop pointed wherever I want ac. The unit is from 1993 and works like a champ.

You're not wrong for running that system.
Posted by Chalkywhite84
New orleans
Member since Dec 2016
34754 posts
Posted on 7/8/26 at 1:35 pm to
That's a decent price.

Where are you located?

Those uv lights are cheap and usually upcharges.

My guy put in a new 4 ton for 7,500. With new inside ac work nothing with the heater.

This post was edited on 7/8/26 at 1:38 pm
Posted by terriblegreen
Spokane, LA
Member since Aug 2011
12384 posts
Posted on 7/8/26 at 1:40 pm to
When I was younger and broke I needed a new AC and didn't have the cash. I found a credit card with no interest for a year and handled it that way.
Posted by Chalkywhite84
New orleans
Member since Dec 2016
34754 posts
Posted on 7/8/26 at 1:40 pm to
quote:

. I generally don't bother with companies that have a fleet of ad wrapped vans.


This is smart.
Posted by 756
Member since Sep 2004
15962 posts
Posted on 7/8/26 at 1:43 pm to
A unit that old, replace it, pay cash, use the guy you trust.
As to size. There are a lot of factors besides sq ft. Geographic location, design of house, age of house, number of west and south facing windows , ceiling height etc. If the original unit is 3 and 1/2 tons I wouldn't install less if you live in the humid south.
If you install a smaller unit and it runs all the time without cycling..no hvac is going to take it back....you will then need a mini split or 1 ton unit.
Posted by Sofaking2
Member since Apr 2023
21850 posts
Posted on 7/8/26 at 1:43 pm to
You need AC. It’s like anything else. If you can pay cash then do that.
Posted by 756
Member since Sep 2004
15962 posts
Posted on 7/8/26 at 1:45 pm to
Don't overthink it.get prices to replace same exact size, pay cash , call it a day and move on
Posted by jasonbr1975
Lafayette, LA
Member since Sep 2024
2372 posts
Posted on 7/8/26 at 6:01 pm to
quote:

I wouldn’t put a dime into a 24 year old unit,

If it lasted this long, it will probably outlast a new unit.
Posted by MSUDawg98
Bear the F Down
Member since Jan 2018
14030 posts
Posted on 7/8/26 at 7:57 pm to
quote:

Would it be better to pay off in full at installation or finance?
For decisions like this I look at the financing charge vs what I would get with it sitting in savings for that time. If you can get 0% for 6 months do that and pay it off at the end of the year. Sometimes the savings isn't worth the trouble but if you like to save what you can, it's worth looking at.
Posted by phaz
Waddell, AZ
Member since Jan 2009
6949 posts
Posted on 7/8/26 at 8:12 pm to
I'm paying $8,900 for a 4 ton Trane, 16 seer, installed tomorrow, paying upfront, like you small company. In the Phoenix area
This post was edited on 7/8/26 at 8:16 pm
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