HVAC FINANCING
THAT MAKES SENSE
Bradford offers 0% financing for 60 months on all Trane and RunTru system installations. You own the equipment from day one — no leases, no rental traps, no fine print.
4.8· 276 Google ReviewsBRADFORD'S TWO FINANCING PROGRAMS
Both programs are loans — you own the equipment from day one. No leases. No rentals.
0% Interest for 60 Months
Interest rate
0%
Term
60 months (5 years)
Dealer fee
20% built into price
Best for
Homeowners who want to pay off the system quickly with no interest
Example: $12,000 system
$240/mo
Total paid: $14,400
- No interest for 5 years
- Pay only the principal
- No prepayment penalty
- Own the equipment from day one
- Same-day approval in most cases
6.99% Interest for 120 Months
Interest rate
6.99%
Term
120 months (10 years)
Dealer fee
8% built into price
Best for
Homeowners who want the lowest possible monthly payment
Example: $12,000 system
$151/mo
Total paid: $18,120
- Lowest monthly payment option
- 10-year term spreads cost over time
- No prepayment penalty
- Own the equipment from day one
- Same-day approval in most cases
MONTHLY PAYMENT CALCULATOR
Drag the slider to see your estimated monthly payment for both programs.
0% / 60 months
$240/mo
Total paid: $14,400
You own the system
6.99% / 120 months
$151/mo
Total paid: $18,120
You own the system
Estimates only. Actual payments depend on approved credit and final installed price. Call (623) 624-6246 for exact pricing.
BRADFORD FINANCING VS. COMPETITOR LEASE-TO-OWN
Some local HVAC companies are pushing lease-to-own contracts. Here's exactly how Bradford's financing compares.
| Factor | Competitor Lease ($280/mo × 10yr) | Bradford 0% Finance (60mo) |
|---|---|---|
| Total cost for $12,000 system | $33,600 (lease) | $14,400 (0% program) |
| Ownership | You never own it | Yours from day one |
| After 10 years | Return unit or keep paying | System fully paid off, no payments |
| Monthly payment | $280/mo for 10 years | $240/mo for 5 years, then $0 |
| Can you sell with the home? | Complicated — lease transfers | Yes — it's your asset |
| Warranty | Covered by lessor | 10-year Trane parts warranty |
| Prepayment penalty | Often yes | Never — pay off anytime |
| Transparency | Fine print, variable terms | Bradford publishes all terms upfront |
Real homeowner report from Sun City West: "They almost got us to sign up for a new unit at $280 a month for 10 years. That's $33,600 and you don't even own the unit." — Facebook, West Valley homeowners group. Check if your quote is fair →
FINANCING FAQ
READY TO GET STARTED?
Bradford provides free in-home estimates with exact pricing and financing options before any work begins. No pressure, no obligation.