Spring Special: 0% for up to 72 Months on a New AC System LEARN MORE

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Learn more about financing your repair or replacement.

AC & Plumbing Financing Options in Austin, Texas

At Efficient, we not only want to provide you with the best repair and replacement solutions – we also want to help make them more affordable. This starts with maintaining fair pricing and helping our customers take advantage of any additional savings, such as utility and manufacturer rebates. It also includes extending financing options for nearly every project and credit type.

Water Heater & AC Unit Financing – Rates as Low as 0% for up to 72 Months

Home and business owners sometimes choose to repair an old AC unit or water heater instead of investing in a new, more energy efficient model because of the higher upfront cost of replacement. Even if a new unit will ultimately pay for itself through reduced utility costs, such a major expense is often just not in the budget. We get it. We don’t want our customers to be limited to a fix that’s going to be more costly in the long run. That’s why we offer water heater and AC unit financing with rates as low as 0% — to give you the flexibility to choose the solution that will best serve you and your family or business in the years ahead.

Plumbing & AC Repair Financing – Starting at $1,000

Sometimes, major repairs are necessary. When it comes to cool air and hot water, they’re also urgent. We offer financing options starting at $1,000 to help you manage the cost of these often-unexpected expenses.


  • No down payment
  • Options for all levels of credit – no minimum score required
  • Competitive rates
  • No prepayment penalties