Get the comfort you deserve today with our flexible payment options and low-interest financing plans
Call: +1 (647) 740-3911 Call: +1 (437) 245-2113At Optimistic Aire, we believe everyone deserves a comfortable home regardless of budget. That's why we've partnered with leading financial institutions to offer flexible financing options with competitive rates. Whether you need a new AC unit, furnace, or complete system replacement, we have a payment plan that works for you.
Get approved quickly and start enjoying your new system
Complete our 5-minute application with no obligation
Receive instant decision in most cases
We'll install your new system within days
Answers to common questions about our financing options
We work with multiple lenders to accommodate various credit situations. While our 0% interest plans typically require good to excellent credit (680+), we have options available for scores as low as 580. Even if you've been turned down elsewhere, we encourage you to apply.
No. All our financing options have no hidden fees, no prepayment penalties, and no dealer fees. The monthly payment we quote is the payment you'll make for the duration of your loan term.
Most applicants receive an instant decision. In some cases where additional verification is needed, approval may take up to 24 hours. Once approved, we can often schedule installation within 2-3 business days.
Yes! Our financing covers the complete project cost including equipment, labor, permits, and any necessary ductwork modifications. We provide a fixed-price quote before you apply so you know exactly what you're financing.
All our financing plans allow for early payoff without penalty. For the 0% interest plans, paying off within the promotional period means you'll pay no interest at all.
Take advantage of our flexible financing options and enjoy a more comfortable home today. Apply now and get an instant decision!