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Buy with confidence
Make your purchase more affordable with our flexible payment plans
Affirm Financing
Split your purchase into easy monthly payments with 0% APR options available. Get quick approval and flexible terms up to 36 months.
Shop Pay Installments
Pay in 4 interest-free installments for orders over $50. No hidden fees, just simple and transparent payments every two weeks.
- Check your eligibility
Complete a quick application that won't affect your credit.
- Know what you'll owe
Don't lose sleep with simple monthly payments and no hidden fess.
- Unlock your home, office or projects potential
Build the your space, or renovate the space , you've always wanted.
Premium Luxury comfort is now attainable
Important disclosure
This information is provided for informational purposes only. Please consult with a qualified professional before making any decisions. Terms and conditions apply. By using this service, you agree to our terms of service and privacy policy.
Rates from 0–36% APR. Payment options through Affirm are subject to an eligibility check, may not be available everywhere, and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. For licenses and disclosures, see affirm.com/licenses.
FAQs
Get answers to common questions about financing your SmartHVACDirect equipment
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We offer flexible financing through Affirm and Shop Pay Installments. Affirm provides monthly payment plans with competitive rates for larger purchases, while Shop Pay Installments allows you to split purchases into 4 interest-free payments.
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For Affirm, you'll complete a brief application at checkout with no impact to your credit for checking your eligibility. For Shop Pay Installments, you'll need a valid debit or credit card.
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Affirm offers transparent rates that are shown upfront before you commit. Shop Pay Installments is completely interest-free with no hidden fees. There are never any late fees or penalties with either option.
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Affirm financing is available for purchases starting at $50 with no maximum limit, making it ideal for larger purchases. Shop Pay Installments is available for purchases between $50 and $3,000.
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Get quick approval in most cases. Affirm typically provides a decision within seconds, allowing you to complete your purchase right away. Shop Pay Installments provides immediate approval at checkout.
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Yes, both Affirm and Shop Pay Installments allow early payoff with no prepayment penalties. You can pay off your balance at any time through your account dashboard.
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Checking your eligibility with Affirm will not affect your credit. Shop Pay Installments may perform a soft credit check. Only if you complete a purchase will there be a hard inquiry.
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We recommend setting up autopay to avoid missed payments. If you do miss a payment, contact the financing provider immediately. Affirm does not charge late fees, but missed payments may affect your ability to use Affirm in the future.
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Financing is available for most SmartHVACDirect purchases. Some restrictions may apply to certain products or promotional items. The financing options will be displayed at checkout if available for your purchase.
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For Affirm, you'll receive login credentials to access your account dashboard where you can view payment schedules, make payments, and update your information. For Shop Pay Installments, manage your account through the Shop app or your Shopify account.
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Yes, you'll need a mobile phone number from the U.S. or U.S. territories. This helps Affirm verify it's really you who is creating your account and signing in.