0% APR · 12 Months · Same as Cash

New Furnace or AC? Pay $0 Interest for 12 Months.

A new system is a big expense, but it doesn't have to be a big upfront hit. Financing splits the cost into 12 monthly payments at zero interest, so you stay comfortable now and keep your savings intact.

0% APR for 12 months, same as cash
Prequalify in minutes with no impact to your credit
No prepayment penalty, pay it off early anytime
See If You Qualify
Takes 30 seconds. A NEXT advisor follows up with your options, no obligation.
Prefer to do it yourself? Prequalify online now →
Financing provided by Service Finance Company, LLC on approved credit. Prequalification does not affect your credit score.
What "Same as Cash" Means

All the Comfort Now. None of the Interest.

"Same as cash" is exactly what it sounds like. Spread your new system over 12 months and pay back only what the job costs, not a penny more.

0% APR

Zero interest for the full 12 months. The price you're quoted is the price you pay, split into twelve.

Keep Your Cash

No need to drain savings or reach for a high-interest credit card. Keep your emergency fund and pay the system off over 12 months.

Pay Off Early, Free

No prepayment penalty. Pay it down whenever you like and there's never an early-payoff fee.

What a New System Actually Costs

Real Prices, Reframed as a Monthly Payment

Here's what a new system typically runs in Metro Detroit, and what that looks like at 0% for 12 months. Your exact price is set at your free in-home estimate.

New Furnace
$3,500 – $8,000 installed
$292
per month, from
New Air Conditioner
$4,500 – $9,500 installed
$375
per month, from
Plus $500 off right now
Full System (Furnace + AC)
$8,000 – $15,000 installed
$667
per month, from
Save about 10% vs. replacing separately
Ranges reflect typical Metro Detroit installs in 2026; your actual total, monthly payment, and available terms are confirmed at your free in-home estimate. Larger projects can be spread over a longer term to keep the monthly payment lower. Monthly examples assume 0% APR for 12 months on approved credit.
Simple & Fast

Three Steps to a New System

No paperwork mountain, no waiting weeks. Most homeowners get a decision in minutes.

1

Prequalify

Fill out the short form or apply online. A soft check shows what you qualify for with no hit to your credit score.

2

Get Your Estimate

We come out, diagnose the system, and give you an honest, up-front quote. You see the real number and the monthly payment side by side.

3

Stay Comfortable

Approve the work, we install it, and you pay it off over 12 months at 0% interest.

Why Finance With NEXT

A Trusted Local Crew, Not a Call Center

Instant Decisions

Our lending partner returns most approvals in minutes, right at the kitchen table.

Flexible Options

0% for 12 months plus longer-term plans if you'd rather keep payments even smaller.

5.0-Star Rated

Licensed, insured, and NATE-certified. The same crew Metro Detroit trusts for the install itself.

Emergency Ready

Furnace out in January? Financing means you never have to choose between comfort and cash flow.

After the Install

Protect Your New System for $5/mo

Finance the install, then keep it running its best with the NEXT Care Program. Routine maintenance helps protect your manufacturer warranty and catches small issues before they become the expensive repairs financing was meant to avoid.

Two seasonal tune-ups a year (spring AC + fall furnace)
Filter checks plus a full system safety inspection
Priority scheduling when you need us most
Catches small problems before they become big repair bills
Add NEXT Care for $5/mo
Financing Questions

Good to Know

It means you pay back exactly what the job costs, spread across 12 monthly payments, with no interest added. Pay the balance within the 12-month promotional window and you never pay a cent of finance charges. It's the same total you'd pay in cash, just easier on your monthly budget.
Prequalifying to see your options uses a soft credit check, which does not affect your credit score. A hard inquiry only happens if you decide to move forward and formally accept a financing offer.
New furnaces, new air conditioners, complete system replacements, and larger repairs all qualify. If you're not sure whether your project fits, just ask, we'll tell you straight during your free estimate.
Approvals are based on your credit profile, and there are multiple plans available, so it's worth checking even if you're not sure. The fastest way to find out what you qualify for is to prequalify. It only takes a minute and won't affect your score.
None. You can pay off your balance early at any time with no prepayment penalty and no early-payoff fee.

Comfort Now, Pay Over Time.

See what you qualify for in under a minute, with no impact to your credit. Then get a free, up-front estimate from a crew Metro Detroit trusts.

Prequalify Online Call (844) 279-HVAC
Next Heating and Cooling logo

Next Heating & Cooling

Licensed HVAC contractor serving Southeast Michigan. Furnace and AC installation, repair, and maintenance, plus our NEXT Care Plan for year-round comfort.

233 Church St
Mount Clemens, MI 48043
24/7 Emergency Service Available
Financing is provided by Service Finance Company, LLC, and is subject to credit approval. The 0% APR, 12-month "same as cash" plan requires the promotional balance to be paid in full within the promotional period; not all applicants will qualify and other terms may apply. Advertised monthly payment examples are estimates for illustration only and do not represent an offer of credit or a specific project quote. Actual pricing, payment, terms, and available plans are disclosed at the time of your estimate and financing agreement. Prequalification uses a soft credit inquiry that does not affect your credit score.
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