How Can I Afford a New AC System (and Other HVAC Equipment)?

Need a new air conditioner, furnace, or heat pump but not sure how to pay for it all at once? Jon-Wayne Company offers financing options with quick approvals, so a failed system does not have to drain your savings. Call (903) 537-4531, and we will go over the application, rates, and monthly payment options with you.

Call (903) 537-4531 or request an estimate online today!

Serving Northeast Texas Since 1983 | Carrier Authorized Dealer | Texas License TACLA024747C | A+ Rating from the BBB | NATE-Certified Technicians

Jon-Wayne Company is a single-location, locally owned HVAC contractor serving Mount Vernon, TX, and nearby. We are not affiliated with similarly named companies in San Antonio or Missouri.

We can certainly understand wanting to replace an older air conditioner or furnace with a newer, energy-efficient model while worrying about the timing. Our finance team can walk you through the options available for your situation.

What You Can Finance

Our financing options cover the equipment most Northeast Texas homeowners replace:

• Air conditioners
• Gas furnaces
• Heat pumps
• Ductless systems
• Indoor air quality equipment
• Replacement of a costly part, if you would rather not pay for it all at once

How Financing Works

1. Request an estimate. We look at your home, recommend a system and give you the price.
2. Talk with our finance team. We help you with the application and go over rates and monthly payment options.
3. Choose your payment and schedule installation.

Financing Your Heating and Cooling Equipment

At Jon-Wayne Company, we offer financing options with quick approvals! Whether you need to replace a costly part or want to purchase a new product, schedule an appointment with our finance team to see how we can help you. We can help you with the application process while going over rates and low monthly payment options.

Another option is to check with the Mt. Vernon and Texas government to see if low-interest loans are available on the purchase of energy-efficient HVAC equipment. Many cities and states around the country offer programs designed to help out with green home improvements. A little research could save you a bundle of money.

Other Ways to Pay for an Upgrade

Veterans and seniors may also find options through their lender or a local area agency on aging.

Check Out the Rebates!

At Jon-Wayne Company, we partner with many manufacturing companies that offer significant rebates. These rebates can save you hundreds, if not thousands of dollars, depending on the model you purchase. Our team will gladly assist you in choosing the right system for your budget and lifestyle, and then help you fill out any available rebate forms.

Many older furnaces run at 60 to 70 percent AFUE, which means 30 to 40 cents of every fuel dollar is wasted. A new furnace rated 90 percent AFUE or higher wastes far less. Air conditioners are rated in SEER2 instead, and newer models use less electricity than older ones. Either way, a more efficient system can lower your monthly energy bills.

Energy efficiency has a lot to do with the energy rebates many utility companies offer their customers. Once again, it depends on the model you choose and its energy efficiency, but contacting your energy company in advance of your purchase will give you an idea of what you can expect. Federal tax credits for HVAC equipment ended for systems installed after December 31, 2025, so ask your utility and your equipment manufacturer about current rebates.

Three Reasons to Replace Your HVAC System

Investing in your heating, ventilation, and air conditioning (HVAC) equipment can be a considerable expense, but it is a wise decision. Here are three reasons why it makes sense:

1. Increase Your Home Market Value

We buy new cars knowing they depreciate as soon as we leave the dealership lot. A reliable HVAC system can do just the opposite and add value to your Mt. Vernon home. A newer, well-maintained system can make a home more attractive to buyers. Those manufacturer warranties, certifications, and scheduled maintenance calls make your home more marketable.

2. Improve Your Indoor Air Quality (IAQ)

If someone in your life has asthma, allergies, or any other type of respiratory condition, then you know the importance of maintaining high indoor air quality. Our team can install ultraviolet (UV) lights, air filtration systems, humidifiers, and zone control systems designed to improve your health.

3. Add Comfort to Your Home

Reduce your carbon footprint, improve your indoor air quality, and guess what? Your Texas home is suddenly much more comfortable. Your HVAC system is running at peak capacity, using less energy, and lowering your utility bills. Breathe easy. You are home.

Most people spend 90 percent of their day indoors, according to the US Environmental Protection Agency (EPA). Investing in your home, health, and comfort just makes sense.

HVAC Financing FAQs for Mount Vernon Homeowners

How can I afford a new AC system?

We offer financing options with quick approvals and can walk you through the application and monthly payment options. Manufacturer and utility rebates can lower the cost further. Call (903) 537-4531 or request an estimate to see what your options look like.

Is there a federal tax credit for a new HVAC system?

Not anymore. The federal Energy Efficient Home Improvement Credit ended for equipment installed after December 31, 2025. Ask your equipment manufacturer and your electric or gas utility about current rebates, and talk to a tax professional about your own situation.

How do I know if I should repair or replace my system?

If a repair would cost about half the price of a new system and the unit is well into its second decade, replacement usually saves money. We will give you an honest recommendation either way. See our guides to AC repair and replacement and furnace repair and replacement.

What areas do you serve?

We serve Mount Vernon, Mount Pleasant, Pittsburg, Sulphur Springs, Winnsboro, Yantis, Scroggins, Como-Pickton, and the Lake Cypress Springs and Lake Bob Sandlin areas. See our full service area.

Ready to Talk Financing? Call (903) 537-4531

No matter the project, Jon-Wayne Company can help! Call (903) 537-4531 or request an estimate online, and we will get a Mount Vernon team member in touch.