0% HVAC Financing Arizona | Bradford Heating & Cooling
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0% Interest · 60 Months · Same-Day Approval

0% HVAC Financing
in Arizona

New Trane HVAC system from $125/month with 0% interest for 60 months. Apply in minutes — same-day approval in most cases. Bradford Heating & Cooling — Surprise, AZ's authorized Trane dealer.

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CALL (623) 624-6246APPLY FOR FINANCING

HVAC FINANCING OPTIONS

Two programs through Wells Fargo — both with same-day approval in most cases.

MOST POPULAR

0% Interest — 60 Months

Trane XR, XL, XV Series

~$125–$267/mo

No interest if paid in full. Best for homeowners who can pay off within 5 years.

LOWEST PAYMENT

6.99% — 120 Months

RunTru by Trane

~$75–$110/mo

Lower monthly payments. Best for budget-conscious homeowners.

HOW BRADFORD'S FINANCING WORKS

From first call to cool air — Bradford makes financing simple. No runaround, no pressure, no surprises.

Step 1

Call or Book Online

Call (623) 624-6246 or book your free in-home estimate. No commitment required.

Step 2

Free In-Home Estimate

Ken visits your home, assesses your system, and provides written pricing for multiple options.

Step 3

Apply in 5 Minutes

Fill out the Wells Fargo application during the estimate. Most approvals are same-day.

Step 4

Same-Day Installation

Once approved, Bradford can often install the same day or next day. No waiting weeks.

BRADFORD'S FINANCING PROMISE

Bradford will never pressure you to finance. If you prefer to pay cash or by check, ask about Bradford's cash discount — it can save you a meaningful amount. Financing is offered as a convenience, not a sales tactic.

PAYMENT EXAMPLES — ARIZONA HOMES

Real-world payment estimates for common Arizona home sizes. Prices include equipment and installation. Exact pricing provided in your free written estimate.

SystemHome SizeInstalled Price0% / 60 mo6.99% / 120 mo
RunTru A4AC4 (3-ton, SEER 14)1,200–1,600 sq ft$7,500$125/mo$87/mo
Trane XR15 (3-ton, SEER 15)1,400–1,800 sq ft$9,000$150/mo$105/mo
Trane XR17 (3.5-ton, SEER 17)1,800–2,400 sq ft$11,000$183/mo$128/mo
Trane XL18i (4-ton, SEER 18)2,200–3,000 sq ft$13,500$225/mo$157/mo
Trane XV20i (4-ton, SEER 20+)2,400–3,500 sq ft$16,000$267/mo$186/mo

* Payment estimates based on typical installed prices. Actual pricing varies by home, ductwork, and installation complexity. Senior (65+), military, and veteran discounts apply. Ask for your written estimate.

0% HVAC FINANCING AVAILABLE THROUGHOUT THE WEST VALLEY

Surprise, AZ
Peoria, AZ
Glendale, AZ
Goodyear, AZ
Buckeye, AZ
Sun City, AZ
Sun City West, AZ
El Mirage, AZ
Litchfield Park, AZ
Waddell, AZ
💰

STACK YOUR SAVINGS — APS & SRP REBATES UP TO $600 BACK

Qualify for 0% financing and a utility rebate on the same system. Bradford provides all documentation needed to claim your APS or SRP rebate — reducing your financed amount before your first payment.

APS Rebate Info →SRP Rebate Info →

FREQUENTLY ASKED QUESTIONS

Yes. Bradford offers 0% interest financing for 60 months on new Trane HVAC systems through Wells Fargo. No interest if paid in full within the promotional period. For a typical $9,500 new AC system, the 0%/60-month payment is approximately $158/month. Apply in minutes — same-day approval in most cases. Call (623) 624-6246 or ask when booking your free estimate.
Bradford's 0% financing for 60 months applies to new Trane XR, XL, and XV Series HVAC systems. RunTru by Trane systems qualify for 6.99% financing for 120 months (approximately $104/month on a typical system). Both options are through Wells Fargo with same-day approval in most cases.
Bradford's 0% financing is through Wells Fargo, which has its own credit requirements. Most applicants with a credit score of 650+ qualify for the 0% promotional rate. If you don't qualify for the 0% option, the 6.99%/120-month option on RunTru systems has more flexible requirements. Bradford will help you find the best available option for your situation.
You can apply for financing when you call (623) 624-6246 or book online. Bradford will walk you through the application process during your free in-home estimate. The application takes about 5 minutes and most applicants receive same-day approval. There is no obligation to proceed if you are approved.
For a typical Trane XR15 system installed in a 1,600–2,000 sq ft Surprise home (approximately $9,500 installed), the 0%/60-month payment is approximately $158/month. For a RunTru system (approximately $8,000 installed), the 6.99%/120-month payment is approximately $93/month. Exact payments depend on the system and installation specifics.
Yes — ask about Bradford's cash discount when you call (623) 624-6246 or book your free estimate. Paying cash or by check can save you a meaningful amount on a new system installation.
Bradford's 0% and 6.99% financing programs are specifically for new system installations. For repairs, Bradford offers upfront flat-rate pricing with no hidden fees. If a repair is more than you expected, Bradford will discuss all options with you honestly — including whether replacement with financing makes more sense.
Yes. Bradford's 0% financing is available for new HVAC system installations throughout the West Valley — Surprise, Peoria, Glendale, Goodyear, Buckeye, Sun City, and Sun City West. Call (623) 624-6246 or book your free in-home estimate online.
Limited Time Offer

$59 A/C TUNE-UP & INSPECTION

Per unit · Full 20-point inspection · Serving West Valley

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$59/Unit A/C Tune-Up & Inspection — Limited Time
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