Three ways to spread the cost: Service Finance, Foundation Finance or lease-to-own through Microf.
Check My Options
Financing by Service Finance and Foundation Finance
Lease-to-own by MicrofA new system is the kind of cost that arrives all at once, usually on a day you didn't choose. At that point, most homeowners aren't weighing which system is right for the house; they're working out what they can cover this month.
Financing takes that worry out of the decision. With approved credit, Foundation Finance plans start at $99 a month. Service Finance offers 6 months with no interest and no payments, followed by 120 monthly payments at rates as low as 8% APR for well-qualified applicants. That gives you room to choose the system your home needs without paying the full cost upfront.
Call us or book online to arrange a free, no-obligation estimate. Your technician checks the thermostat, outdoor equipment, and indoor system to understand your home's needs before discussing replacement costs.
You'll see four options: Essential, Silver, Gold, and Platinum. Each package includes equipment details, warranty coverage, and pricing. We'll also show you the estimated monthly payments if you're considering financing.
Interested in monthly payments? Your technician can help you apply during the visit and answer questions about the process. Financing decisions often arrive within 30 minutes, depending on the lender and application.
Once you approve your estimate, our office coordinates the installation. Same-day installation may be available if the equipment is in stock and a crew is available. We'll also handle the required city permit and arrange the inspection after installation.
I tell my guys: give them the options, then step back. Don't talk.
Ed HafezOwner
Our technicians explain what's wrong with your system, whether a repair makes sense, and what replacement would involve. They'll walk you through the costs and available payment options without pushing you toward a decision. You choose what works for your home and budget.
Your estimate comes by email, so you can reread it after the technician leaves. Nothing moves until you sign it, and the estimate costs you nothing if you decide to wait.
We work with three financing partners, so there's an option whether your credit is strong or still being built. You apply during the same visit, and a decline from one isn't the end of it. We go to the next.
Estimate a monthly payment with no application and no credit check.
Estimated monthly payment
$121 / mo
Estimate only. It assumes 120 monthly payments at 8% APR, after the first 6 months with no interest and no payments, which is Service Finance's lowest rate for well-qualified credit. The rate you're approved for may be higher.
Each of our three financing partners offers different payment terms and credit requirements, giving homeowners more ways to manage the cost of an HVAC project.
From smaller monthly payments to a payment-free start and quick credit decisions, here's how these financing options can work in your favor.
| What you get | How it works | Why it helps |
|---|---|---|
| Low monthly payments | Spreading the cost over years turns one large bill into a payment you can plan around. | A new system fits the household budget without a big upfront bill. |
| A payment-free start | With Service Finance, the first 6 months carry no interest and nothing is due. | The new system goes in now, and paying starts later. |
| Terms that fit the project | 120 monthly payments with Service Finance, or up to 12 years with Foundation Finance. | You can weigh a quicker payoff against a lower monthly payment. |
| A same-visit answer | Apply for financing during your estimate. Most customers receive a decision before the visit ends, although timing may vary by lender. | You can decide on the spot, with the price and the payment in front of you. |
For Strong Credit
Service Finance is the lender we start with for strong credit. After the first 6 months with no interest and no payments, the balance moves to 120 monthly payments on a simple-interest plan, with rates as low as 8% APR for well-qualified credit.
Apply With Service FinanceFor Mid-Range Credit
Foundation Finance serves homeowners with mid-range credit. Its longer terms keep the monthly payment lower on a full system.
Plans run up to 12 years, with rates as low as 8% APR with approved credit.*
Get Prequalified With Foundation Finance*Financing subject to credit approval and acceptance by your contractor. Terms and conditions may apply and may vary. Contact your contractor to discuss available offers and to receive appropriate terms and disclosures upon approval. Prequalification is a soft credit pull. Upon the receipt of your completed credit application and signed financing documents a hard inquiry on your credit (that may affect your credit score) will occur. Credit review powered by Foundation Finance Company LLC.
For Building Credit
If a loan isn't the right fit yet, lease-to-own through Microf can still put a new system in your home, with payments over time. Rates run higher, and your technician explains them before you sign.
Apply With MicrofA new compressor in a 15-year-old condenser still leaves the rest of that unit 15 years old. Before you pay for one, ask for the free replacement estimate and weigh the two side by side.
A lower payment can mean a shorter labor warranty, from one year on Essential up to five on the top packages. Peace of Mind takes labor to 10 years for $1,200, matching the parts warranty.
If your system is near the end of its life, get the estimate while it still runs. A planned replacement leaves time to compare packages and lenders, instead of deciding in the middle of a heat wave.
Want your real monthly payment? Ask for a free replacement estimate and see it on every package.
The technicians were professional and very knowledgeable. We had our AC serviced, new Gas Furnace installed with air purifier, and also had our air ducts cleaned. I would go to CityLine first before any other company!
Kyle Cooper
The technician, Alberto, arrived on time, knew the equipment he was working on, was very professional, and was happy and very thorough.
Alann Nevarez
They contacted us in a timely manner, were on time for the service call and took care of the issues.
Jeffrey N.
Alberto Nevarez was great. Helped inform us of everything we needed to know plus extra. He went above and beyond to educate us as new home buyers of our systems and needed maintenance. 10 out of 10 would recommend
Tony A.
CityLine came to my home to check my unit for heating for this winter and were excellent. Technician Jay Jones was superb! He explained in detail everything he reviewed and gave me confidence in the service provided. 10/10! Would recommend to everyone!
Ryan F.
Travis came by to do a check up on the system. He's very courteous and friendly. All is well with the system.
Adrien C.
There's no single cutoff, because we work with three financing partners. Service Finance is for strong credit, Foundation Finance covers mid-range credit, and lease-to-own through Microf helps while credit is still being built. Each lender makes its own decision, so approval is never guaranteed.
Usually about 30 minutes. You apply during your estimate visit, and the lender's answer typically arrives while your technician is still there. If you're approved and you sign, the install goes on our schedule. Timing can vary with the lender and your application.
It depends on the option. Foundation Finance's prequalification is a soft credit pull, so it doesn't affect your score, and a hard inquiry comes only after you complete the full application and sign. Ask your technician how the other options handle it, and nothing is submitted until you decide to apply.
Yes. Your free replacement estimate prices each package with its own warranty and estimated monthly payment. The lender confirms the final terms once you apply. Until then, you decide whether to finance at all, or pay another way.
No. With lease-to-own, you make payments on the equipment over time, with an option to own it. It's meant for homeowners whose credit isn't ready for a loan yet. The cost is higher than a loan, so ask your technician to walk through the terms before you sign.
Financing disclosure: Financing is provided by Service Finance Company, LLC and Foundation Finance Company, LLC, and is subject to credit approval. Rates, terms and promotional periods are set by each lender and may change. Not all applicants will qualify for every program. Lease-to-own through Microf: The advertised service is a consumer rental-purchase agreement, rent-to-own agreement, lease/lease-purchase agreement, where applicable, provided by Microf LLC, or its affiliates. The total cost of ownership is more than the retailer's cash price. You do not obtain ownership of the leased/rental merchandise until the total amount necessary to acquire ownership is paid in full, or you exercise your early purchase option. Ownership is optional. In NC, the final payment will be an amount greater than the normal monthly payment as stated in the lease/rental agreement. Not available in AK, HI, ME, MN, NJ, VT, WI, WY. Texas license TACLB00033708E · CityLine Air Conditioning · 1400 South Sherman Street, Richardson, Texas 75081 · (972) 776-4455 · Office hours 8 AM to 6 PM
Book a free replacement estimate and see your monthly payment on every option.
