0% for 18 months, or lower payments over time
Every HVAC service qualifies for the same financing — repair, replacement, or new installation.
0% Interest, 18 Months
Best for repairs and smaller replacements. No interest at all if paid within 18 months. A $1,500 repair works out to $83/month; a $6,000 system is $333/month.
4.99% APR, 144 Months
Best for full system replacements where you want the lowest possible monthly payment. A $6,500 standard system is roughly $89/month; a $12,400 premium system is roughly $169/month.
From application to approval
Get your diagnostic or estimate
Every financing conversation starts after we know the actual scope — a $89 diagnostic for repairs, or a free in-home estimate for installation and replacement.
Check eligibility, no hard pull
Checking your financing eligibility doesn’t touch your credit score. Most homeowners get an answer in minutes.
Approved, work begins
Same-day approval means financing doesn’t delay the job — your AC gets fixed or replaced on the same visit or the next available appointment.
What financed customers say
4.8 stars across 1,200+ verified Google reviews — Fresno, Clovis, Madera, Sanger, Selma, and surrounding Fresno County cities.
Our old unit was on its last leg — Grandmark showed us the numbers on video and it was clear repair wasn’t worth it anymore. New system installed same week, no pressure the whole time.
AC went out on a Saturday in July. Grandmark came out same day, diagnosed it on video, and had it fixed within two hours. Every other company told me the earliest was Tuesday.
Three companies gave me quotes without even looking at the system. Grandmark ran a diagnostic and found the real issue. Saved me over $2,000 and my AC has been perfect ever since.
We’ll respond in 20 minutes or less
Tell us what’s going on and we’ll walk you through your financing options along with your quote. During business hours, that’s typically within 20 minutes.
Financing questions Fresno homeowners ask
Will checking my eligibility hurt my credit score?
No. Checking financing eligibility does not require a hard credit pull and won’t affect your credit score. Only a full application triggers a hard inquiry, and you’ll know that before it happens.
What if I can’t pay off the 0% balance within 18 months?
Ask your technician to walk through the exact terms before you sign — promotional financing programs vary in how they handle a remaining balance after the promotional period. If you’re not confident you’ll pay it off in 18 months, ask about the 4.99% APR over 144 months option instead, which has a predictable fixed payment from day one.
Does financing cost more than paying cash?
The 0% option costs the same as cash if paid within the promotional period. The 4.99% APR option does include interest over its term, but spreads the cost into a manageable monthly payment instead of one large upfront expense — which matters most for a replacement, where the alternative to financing is often delaying a repair you actually need right now.
Can I finance a repair, not just a full replacement?
Yes — financing applies to any HVAC service, including standard repairs. A $1,500 repair at 0% over 18 months is about $83/month.
Is there a minimum purchase amount to finance?
Ask your technician during your visit — financing is available across a wide range of job sizes, and we can tell you exactly what applies to your specific repair or installation quote.
More ways we help Fresno homeowners
AC Installation Cost →
See real installation pricing before you talk financing numbers.
Fresno HVAC Hub →
Every HVAC service we offer, all in one place.
What Every HVAC Service Costs →
See cost ranges across every service, not just installation.
Check your options before you decide
No hard credit pull. Same-day approval. $0 down on qualifying repairs and installations.