Pay cash
Full ownership the day it is installed. A new system is often $12,000–$15,000 or more upfront. Later repairs stay out of pocket.
Replacement cost
AC replacement cost, without the surprise
A new AC unit cost is the cash price, or a monthly payment. Most homeowners want comfort without writing a five-figure check. The Comfort Plan is the path we recommend: $0 down, from $150 a month on the example below, with service included.
Finance
A lower upfront cost, with interest that may apply. Repairs are still extra. This is a loan, not a service plan.
Comfort Plan
$0 down. One predictable payment for 10 or 12 years, with service, maintenance, and filters included. Parts and labor follow the agreement. It can transfer if you sell or move, and buyout options are in the agreement.
HVAC financing, and the plan that includes the repair
What does a new AC unit cost?
Paying cash is often $12,000–$15,000 or more, before ductwork. A major repair on an aging system can land around $4,200, and a typical service call is $200–$300 before the repair. Older units that still use R-22 can cost $250–$500 per pound to recharge. The photo quote is the price for your house.
How does HVAC financing work with Novas?
Approval starts with a soft credit inquiry and a fast decision. The Comfort Plan is $0 down, with maintenance and repairs in the monthly payment. A separate loan can lower the upfront cost, and repairs on that path stay extra. The agreement sets the payment, term, coverage, transfer, and buyout.
What is included in the Comfort Plan?
The system, annual maintenance, filters, and service for a 10- or 12-year term, so a breakdown is not a second bill. Coverage, the annual escalator, and what happens at the end of the term are in the agreement you sign. This page is not that contract.
Cash ranges, the $4,200 repair figure, and R-22 pricing are planning numbers. Your market and your house will differ. Program availability, coverage, transfer, buyout, and the monthly amount are controlled by the agreement, not this page.
We install in Kansas City, Dallas, Austin, Atlanta, and Chicago.
Savings
What the old unit is costing
Pick your state, the bill, and how old the system is. We estimate the monthly gap between keeping it and a new one from $150.
Texas homes run air conditioning 8+ months a year — cooling is the biggest line on the power bill.
By about year 15, a standard system that started near 80–85% efficient often runs closer to 45–60% — more bill for the same cool.
Extra you may be spending in Texas
$121/mo
About a 48% cut to what cooling takes from the bill.
- This year
- $1,107
- Over 10 years, with buyback
- $13,068
- A new unit
- $150/mo
About $86/mo less on electricity in cooling season. Room for one serious repair over the next decade — those often land around $4,200, usually on the hottest week. A $2,000 credit when the old unit comes out. $0 down on a full replacement.
Yours today
A new system
Estimates only. We assume a typical system for its age, 2.5% efficiency loss per year on unserviced equipment, a $4,200 major-repair cost avoided over 10 years on systems 10+ years old, and average Texas cooling costs and season length. $2,000 buyback is a one-time credit with a qualifying purchase. Actual savings vary by home, usage, and utility rates.