Get approved in under 2 minutes. No dealer markup, competitive rates, 0% intro offers available. Apply on-site during your free estimate.
We negotiated directly with Wells Fargo and Synchrony to secure rates our customers deserve. No hidden dealer markups — ever.
Most applications receive a decision in under 2 minutes. Pre-qualification uses a soft credit pull that doesn't affect your score.
Qualified buyers get same-as-cash financing with no interest during the promotional period. Pay off in time, pay zero interest.
Spread payments over 10 years to keep monthly costs low. Fixed rates mean your payment never changes.
Pay off your balance anytime without extra fees. Every plan we offer lets you save on interest by paying ahead.
Check your rate without hurting your credit. The hard inquiry only happens when you accept an offer and proceed.
Multiple lenders mean multiple approval paths. If one partner declines, we have backup options to find a yes.
Meridian does not originate loans. We partner with two established consumer finance companies so your application is handled by professionals, not HVAC sales reps.
One of the country's largest home improvement financing programs, offering same-as-cash promotional plans and long-term fixed-rate options.
Specialized home improvement financing with promotional plans at multiple term lengths and flexible monthly payment structures.
All financing is subject to credit approval by the respective lender. Meridian is a referral partner and does not determine credit decisions. Specific rates, terms, and conditions are disclosed by the lender at the time of application.
Below are illustrative examples for common HVAC system tiers. Your actual rate and payment depend on credit profile, loan term, and promotional availability. These are not offers.
Typical system price: $8,500
14 SEER2 AC + matched air handler or furnace. Goodman, Rheem, or comparable.
Typical system price: $12,500
16-17 SEER2 two-stage AC + variable-speed air handler. Carrier Performance or Trane XR series.
Typical system price: $16,500
18+ SEER2 variable-speed inverter system. Carrier Infinity, Trane XV, or Lennox Signature series.
*Illustrative only. Payments shown use an assumed 9.99% APR over a 60-month term on financed amounts equal to the typical system price. Actual APR ranges from promotional 0% (qualified buyers, limited-term plans) to approximately 17.99% based on credit profile, loan amount, and term. Real offers are disclosed by the lender at time of application. System prices vary based on home size, ductwork condition, and local code requirements.
Call or submit a request. A Meridian comfort consultant visits your home, performs a Manual J load calculation, and discusses your goals.
You get a written quote with 2-3 equipment options. No pressure, no "today only" gimmicks. Compare tiers side-by-side in your kitchen.
Apply directly on our tablet or your phone. Pre-qualification takes under 2 minutes with a soft pull. Full approval typically within 10 minutes.
Most standard installs happen within a week of approval. We handle paperwork, permits, and rebate filings. First payment is due 30-60 days later.
The 2022 Inflation Reduction Act created the largest set of residential energy efficiency incentives in US history. If you're installing a qualifying high-efficiency HVAC system, you may be eligible for substantial federal tax credits and rebates.
Meridian handles the paperwork. We identify eligible equipment during your estimate, provide Manufacturer Certification Statements required for filing, and give you a pre-filled summary sheet to hand your tax preparer. For HEEHRA rebates, we coordinate directly with the state administrator.
Central Texas utilities run seasonal rebate programs for high-efficiency HVAC upgrades. These stack on top of federal tax credits — meaning a qualifying heat pump install can deliver combined incentives exceeding $3,000 in a single year.
Residential AC and heat pump rebates ranging from $150 to $900 depending on SEER2 rating and system size.
Members qualify for heat pump rebates up to $400 and smart thermostat incentives of $50–$85.
Seasonal HVAC efficiency rebates, variable by program year. Meridian stays current on available funding windows.
We file these rebates on your behalf. You don't chase utility paperwork. We submit the documentation, track approval, and the rebate comes to you by check or bill credit typically within 6–12 weeks.
Most Meridian financing partners require a minimum FICO score of 600 for basic approval and 660+ for the best promotional rates including 0% APR offers. Wells Fargo and Synchrony both evaluate multiple factors beyond credit score, including income, debt-to-income ratio, and payment history. Buyers with scores below 600 may still qualify through secondary lenders at higher rates, and we offer a 90-day same-as-cash in-house option for urgent repair needs.
The initial pre-qualification uses a soft credit inquiry, which does not affect your credit score. You can see your estimated rate and approval odds without any impact. Only when you accept an offer and proceed with the full application does the lender perform a hard inquiry, which can reduce your score by a few points temporarily — typically recovering within a few months of on-time payments. Meridian always runs pre-qualification first.
Once financing is approved, Meridian typically schedules installation within 2 to 5 business days. Straight replacements of existing equipment (same tonnage, same configuration) complete in a single 6-8 hour day. Larger projects with ductwork modifications or fuel source changes (gas to electric heat pump) run 1.5–2 days. We work around your schedule, including early mornings and Saturday installs when needed.
Yes. All financing plans we offer through Wells Fargo and Synchrony have zero prepayment penalties. You can pay off the full balance at any time with no extra fees. On promotional 0% APR plans, paying the balance before the promotional period ends locks in zero interest charges. On fixed-rate long-term plans, early payoff saves you the remaining scheduled interest.
If the primary lender declines, we have secondary options including payment plans through local credit unions, lease-to-own programs, and a no-credit-check 90-day same-as-cash option for repairs under $3,000. We also work with buyers to improve qualification by adding a co-signer, documenting income more thoroughly, or making a larger down payment. We rarely walk away from a customer over credit alone.
For primary residences, HVAC financing interest is generally not tax deductible unless the loan is secured through a home equity line of credit (HELOC) or home equity loan. However, the HVAC equipment itself may qualify for significant federal tax credits under the Inflation Reduction Act — up to $2,000 for heat pumps and up to $600 for high-efficiency AC systems. Consult a tax professional for your specific situation.
Yes, we finance repairs too. Meridian offers financing on repairs over $500 through the same partner network. For repairs between $500 and $3,000, we also offer an in-house 90-day same-as-cash option with no credit check — helpful for unexpected compressor failures, heat exchanger replacements, or major refrigerant leak repairs. This keeps families out of the emergency credit card trap.
0% APR promotional financing means you pay no interest for a set period — typically 12, 18, or 24 months. You make fixed monthly payments during that window. If the full balance is paid before the promotional period ends, no interest is ever charged. If a balance remains at the end, the full deferred interest calculated from day one may be applied retroactively. Stay on schedule and it's genuinely free money to spread out.
Our 19-year-old AC finally quit in July. I didn't have $11,000 sitting around. Meridian pre-qualified me on my phone in about 90 seconds, got me approved at 0% for 18 months, and had the new system running 3 days later. Paid it off 2 months early, no interest ever charged.
I got quotes from 3 companies. The other two tried to push me into monthly payment gimmicks without telling me the APR. Meridian printed out the exact rate, term, total interest, and payment schedule before I signed anything. That transparency sealed it.
Schedule a free in-home estimate. Pre-qualify in 2 minutes with no credit impact.