Financing

0% Interest Financing Available

Easy Financing

Financing is a lot easier than most people think. We make the process quick and painless and in most cases takes less than 15 minutes for the application and less than 3 Minutes for Approval.


**No Money is required as a deposit when purchasing equipment.

We use a nationwide finance company that offers financing on everything from Car Tires, Jewelry, Furniture and Large Household Appliances such as Heating and Air Conditioning.

How Does the Financing Process Work?

The fastest way to get approved for financing is to give us a call at 505-480-1078 and let us know that you would like to have equipment installed using our Finance Options.

At that point we will get you a rough estimate to replace your existing system and start the Application process either In Person or Over the Phone.

Is Financing Expensive?

We offer 2 finance plans:

Plan #1 

5.99% Interest at 102 Months – This is our most commonly used plan as it has the lowest monthly payment available.  There are no penalties for paying your loan off early and the Monthly Payments are Super Affordable !  Below you will see our Pricing for the most common Furnace Replacement.

Plan #2

0% Interest if Paid Off within 25 Months – This plan is normally used if the customer already has the funds but would like to hang on to the money just a little longer. The Finance Company calls this Deferred Interest which means if you pay the loan off even 1 Day Past 25 Months, Then 25 Months of Accrued Interest will be added to your loan.  Below you will see the Monthly Payments for our Basic Furnace Replacement.

80% Efficiency, Single Stage, Natural Gas Furnace

Base Price –  $2,899

Taxes          –  $228.44

Total           –  $3127.44

Plan #1 – 5.99% Interest at 102 Months :
~$39.41 x 102 Months = Financed Total $4019.82

Financed Interest averages $104 per year 

Plan #2 – 0% Interest at 25 Months :
3152.44 divided by 25 Months = $126.10

(Synchrony Adds $25 to all Finance Transactions)

Call us today and see how we can get you into a New Heating or Cooling System !

What Our Customers are Saying

Heather Knight Avatar
Heather Knight
3/23/2021 - Google

Quick service and reasonably priced.

Kyle Cline Avatar
Kyle Cline
3/16/2021 - Google

Dakota did a excellent job on finding on a new purchase home will be using them again. Thank you

Doge WRLD Avatar
Doge WRLD
1/30/2021 - Google

Dakota did an excellent job. He was very professional and knowledgeable. I recommend and will definitely use American... read more

Justin McKoon Avatar
Justin McKoon
12/30/2020 - Google

These guys know their stuff!! They came in and took care of my problem quickly and efficiently. There wasn't any... read more

  • Quick service and reasonably priced.

    Heather Knight
    3/23/2021
  • John Blake
    3/23/2021
  • Dakota did a excellent job on finding on a new purchase home will be using them again. Thank you

    Kyle Cline
    3/16/2021
  • Dakota did an excellent job. He was very professional and knowledgeable. I recommend and will definitely use American... read more

    Doge WRLD
    1/30/2021
  • These guys know their stuff!! They came in and took care of my problem quickly and efficiently. There wasn't any... read more

    Justin McKoon
    12/30/2020
  • Very happy with the service I received. Cody was very professional my furnace was fixed quickly and was on... read more

    Ramone Sam
    12/05/2020
  • If your system needs work these guys will not disappoint! After hearing our pump needs replaced we gave them a... read more

    Ashton
    11/30/2020
  • These guys are great!

    Adrian Apodaca
    11/30/2020
  • We highly recommend Cody and American AC&Heat. Cody is smart, knowledgable, responsive, and pleasant to work with. His team is... read more

    Sarah
    10/30/2020
  • Great service, good prices and quality work

    Ruben Ramirez
    10/13/2020
  • Cody and his crew are the best. They are excellent craftsmen and work very efficiently. Cody explains everything and is... read more

    L S
    9/30/2020
  • Very professional. Did a great job installing a new HVAC system. Cody and Dakota are fantastic. The price was one... read more

    Oscar B.
    8/14/2020
  • Despite my efforts trying to install a new A/C unit, this company was the only one (out of many that... read more

    Danny Young
    6/30/2020
  • Showed up same day, even though I called at 4PM. Found, fixed the leak, and charged my air conditioning system... read more

    Carl Sucro
    5/30/2020
  • He regularly services my radiant heater, he is punctual, affordable, and respectful.

    Teresa Gomez
    5/30/2020
  • Responsive and professional. Would definitely recommend.

    Philippe Asselin
    5/30/2020
  • Cody and American AC and Heat were awesome. They got my AC unit fixed and only charged me what was... read more

    Matt S.
    5/27/2020
  • Alicia Roddy Bernal
    4/14/2020
  • I want to thank Cody for all his hard work and being very straightforward about the issues on my... read more

    Amanda Lee
    4/09/2020
  • Alicia Bernal
    3/30/2020
  • American Ac and Heat is a Dream to work with!My recomdation could take paragraphs to discribe.I have signed up for... read more

    monica montano
    3/30/2020
  • Our furnace gave out this morning. Called American AC and Heat. Cody came within the hour.and diagnosed our problem. We... read more

    Rose Ann Hill Andrassy
    3/30/2020
  • Punctual. Quick. Knowledgeable and reasonably affordable. Cody is very professional. Thank you.

    William Baker
    3/30/2020
  • American AC & Heat is run by a talented fellow called Cody. I started using Cody's services few months ago.... read more

    Krishna Kandath
    3/30/2020
  • Darlene Trujillo
    3/30/2020
  • Trust worthy ..Very good at what they do. They are very knowledgable in what the do highly recommend. ... read more

    Jason Aragon
    3/30/2020
  • If you’re looking for a trustworthy and professional AC & Heat specialist, I recommend working with American AC & Heat.... read more

    Cheryl Tomlin
    3/30/2020
  • I work for a Property Management co. in Albuquerque NM, American AC & Heat is the only company we... read more

    sandy wolcott
    3/30/2020
  • We found Cody/American AC& Heat via the Nextdoor App and contacted them due to the many great reviews. They. Weren't.... read more

    v would
    3/30/2020
  • Cody was fast efficient while being knowledgeable and pleasant at the same time. Thanks for sending him.

    Joyce Puleo
    3/30/2020
  • Very quick to response. Very knowledgeable! Can’t go wrong!

    chelsey danielsen
    3/30/2020
  • When Cody came out to look at my furnace he calls me ahead of time gave me a time very... read more

    Jamie Richard
    3/30/2020
  • My mother’s heater needed to be replaced and Cody went above and beyond to get the job completed. We ran... read more

    Sissy Gonzales
    3/30/2020
  • My experience was very good. Cody the Service Technician was very courteous and professional. He explained the service he was... read more

    Ken Piorkowski
    3/30/2020
  • Awesome company ! I had problems with my unit and they responded immediately and helped fixed the problem that day... read more

    Matthew Toers-Bijns
    3/30/2020
  • Cody came out and explained everything he was doing regarding our radiant heating while he was doing it. He... read more

    Tammy Stecker
    3/30/2020
  • The service I received from Cody Davis was exceptional in every way. Cody is personable, highly skilled and is an... read more

    Kathryn Bogren
    3/30/2020
  • My thermostat wasnt working and Cody came out and checked it right away. He got it going and advised that... read more

    V Vigil
    3/30/2020
  • When my heater went out, I was so stressed because I was afraid I had to pay quite a bit... read more

    Huan Liu
    3/30/2020
  • Cody is a life saver. My AC fan broke over the 4th of July weekend and Cody came over at... read more

    Roman Martinez
    3/30/2020
  • They installed a new furnace for us. They were very fast to respond and seemed knowledgable when we asked... read more

    David Barnes
    3/30/2020
  • Our inducer motor went out the day after Christmas. American AC & Heat was 1/3 the cost of... read more

    Nick Smith
    3/30/2020
  • Cody was very knowledgeable and helpful. He was able to get my furnace up and running before my baby girl... read more

    Daniel Cabrera
    3/30/2020
  • Cody is very knowledgeable and analyzes problems quickly. He is thorough and expert in his work. He has worked... read more

    shari reed
    3/30/2020
  • My experience with this company they did everything they said they would do and very trustworthy clean up... read more

    T Asbury
    3/30/2020
  • Cody was extremely knowledgeable and fixed our heater quickly. Our heater stopped working on Christmas Day and he was able... read more

    Maria Cabrera
    3/30/2020
  • I have to take my hat off to Jeff and Cody’s performance. I was very impressed that there was not... read more

    Phillip Griego
    3/30/2020
  • Great experience. These guys are the best.

    Chelsey D.
    2/17/2020
  • Very Professional, will recommend to others.

    Peter F.
    1/27/2020
  • I have already recommended them to my friends

    David L.
    1/09/2020
  • Cody was very knowledgeable and very professional

    Dietmar R.
    12/15/2019
  • Cody was very knowledgeable and professional. I will call again if I need work done.

    William B.
    12/12/2019
  • I recently employed Cody with American AC&Heat to replace two different furnaces. I initially found him on Craig's List and... read more

    Kimberly C.
    12/10/2019
  • Fast, professional and affordable price.

    Marisol O.
    12/06/2019
  • David X.
    12/05/2019
  • He is awesome.

    Gayle G.
    12/02/2019
  • Would highly recommend. Pricing is beyond fair, service is immediate. I was luck enough to have called and he was... read more

    Jewel M.
    11/28/2019
  • Very accommodating, affordable, knowledgeable, and friendly.

    Annette A.
    11/27/2019
  • Cody was a life saver on a Saturday without heat. On time,
    experienced, knowledgable, friendly, caring and honest.
    I...
    read more

    Nan N.
    11/27/2019
  • Fixed with a new heater in a day.

    Wendy l.
    11/27/2019
  • Very knowledgeable great customer service!!

    Sean Gary
    11/21/2019
  • Great friendly and prompt service

    John Maestas
    10/20/2019
  • Great service! Highly recommended, quick/QUALITY service and super reasonable pricing !

    Matthew Toers-Bijns
    9/11/2019
  • Cody is very knowledgeable and informative providing customers with a-lot of info and explaining it so everyone can understand... read more

    Dominic Quintana
    9/10/2019
  • Cody came out late on a weekend and worked in the dark to get my ac up and running. Super... read more

    Chris Mathias
    9/10/2019
  • Cody and his son are wonderful! Very honest, reasonable and reliable.

    Gail Palestrini
    9/09/2019
  • Cody was fast efficient while being knowledgeable and pleasant at the same time. Thanks for sending him.

    Joyce Puleo
    5/31/2019
  • My experience was very good. Cody the Service Technician was very courteous and professional. He explained the service he was... read more

    Ken Piorkowski
    5/31/2019
  • I have to take my hat off to Jeff and Codys performance. I was very impressed that there was not... read more

    Phillip Griego
    5/31/2019