Old West Minisplits and Mini Split Reef finance two-zone and larger installs directly, on approved credit: $2,000 down, a fixed 10.00% APR, and 40 to 50 equal monthly payments. Every number is below.
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| System | Price | Financed | Payments | Monthly | Finance charge | Total of payments |
|---|---|---|---|---|---|---|
| Two zone | $3,700 | $1,700 | 40 | $50.15 | $306.00 | $2,006.00 |
| Two zone | $3,700 | $1,700 | 48 | $43.12 | $369.76 | $2,069.76 |
| Two zone | $3,700 | $1,700 | 50 | $41.71 | $385.50 | $2,085.50 |
| Three zone | $5,400 | $3,400 | 40 | $100.30 | $612.00 | $4,012.00 |
| Three zone | $5,400 | $3,400 | 48 | $86.23 | $739.04 | $4,139.04 |
| Three zone | $5,400 | $3,400 | 50 | $83.43 | $771.50 | $4,171.50 |
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| System | Price | Financed | Payments | Monthly | Finance charge | Total of payments |
|---|---|---|---|---|---|---|
| Two unit | $4,000 | $2,000 | 40 | $59.00 | $360.00 | $2,360.00 |
| Two unit | $4,000 | $2,000 | 48 | $50.73 | $435.04 | $2,435.04 |
| Two unit | $4,000 | $2,000 | 50 | $49.07 | $453.50 | $2,453.50 |
| Three unit | $6,000 | $4,000 | 40 | $118.00 | $720.00 | $4,720.00 |
| Three unit | $6,000 | $4,000 | 48 | $101.45 | $869.60 | $4,869.60 |
| Three unit | $6,000 | $4,000 | 50 | $98.15 | $907.50 | $4,907.50 |
Financing example: $5,400 for a three-zone system at Old West Minisplits. $2,000 down payment, amount financed $3,400. 48 monthly payments of $86.23 at 10.00% APR, fixed for the life of the plan. Finance charge $739.04; total of payments $4,139.04; total cost including down payment $6,139.04. On approved credit. Terms offered directly by Old West Minisplits; other prices and terms change the payment.
Financing example: $4,000 for a two-unit system at Mini Split Reef. $2,000 down payment, amount financed $2,000. 48 monthly payments of $50.73 at 10.00% APR, fixed for the life of the plan. Finance charge $435.04; total of payments $2,435.04; total cost including down payment $4,435.04. On approved credit. Terms offered directly by Mini Split Reef; other prices and terms change the payment.
All payment figures assume the full $2,000 down payment, a fixed 10.00% annual percentage rate, equal monthly payments, and the posted flat price with no add-ons. Add-ons such as a long line-set run or panel upgrade raise the amount financed and the payment. Financing is subject to credit approval. Rounded to the cent.
When any contractor offers monthly payments, ask for four numbers in writing: the APR, the number of payments, the payment amount, and the total of payments. Federal Truth in Lending rules require those whenever a payment is advertised. "0% for 12 months" offers are often deferred-interest promotions: if the balance is not paid in full by the end, interest is charged back to day one.
74 of the 171 licensed Austin-area contractors we verified mention financing on their site. Compare them.
$2,000 down on approved credit. The rest is spread over 40 to 50 monthly payments.
10.00% APR, fixed. It does not change for the life of the plan.
Mini split installs of two or more zones from Old West Minisplits or Mini Split Reef, and whole-home system replacements priced after a walkthrough.
No. Pay the balance off any time; interest stops when the balance is paid.
74 of the 171 licensed contractors we verified mention financing on their site, usually through a third-party lender. Ask each for its APR, term and total of payments.