Flexible, affordable payment plans
Air Conditioning Finance
Install now and pay over time. Finance is available on approved application through a third-party lender, for new ducted and split system installs.
5.0 from 292 Google reviewsPayment plans
Can I pay for a new air conditioner over time?
Yes. Finance is available on approved application through a third-party lender, so you can have a new ducted or split system installed now and repay it over time. The lender, not Frost Solutions, assesses your application and sets the amount, term, repayments, interest and fees. Approval is not guaranteed.
Finance can make sense for larger jobs, such as a whole-home ducted system or replacing several old units at once. Before you apply, compare the total cost over the life of the loan, including interest and fees, with paying upfront. Frost Solutions is not a lender and does not give financial advice; if you are unsure whether finance suits you, talk to the lender or an independent adviser.
The details
What amounts, terms and repayments are available?
The lender sets the minimum and maximum amount you can borrow, how long you have to repay, and whether repayments are weekly, fortnightly or monthly. These change from time to time, so we confirm the current options when we quote rather than publishing figures here that may be out of date.
Amounts
Set by the lender. We confirm the current minimum and maximum when we quote.
Terms
Repay over the term you choose from the lender’s available options.
Repayments
Scheduled weekly, fortnightly or monthly, depending on the lender.
Eligibility
Who can apply for finance?
Each lender has its own criteria. Typically you need to be at least 18, an Australian citizen or permanent resident, have regular income from employment or self-employment, and be borrowing for personal or household use. The lender will check your details and may run a credit check before approving you.
- Have your ID, income details and the written quote from us ready.
- Read the lender’s terms, interest rate, comparison rate and fees before you accept.
- Check whether there are fees for paying the loan off early.
How it works
How does air conditioning finance work?
You choose your system and accept our written quote, apply with the lender, and once you are approved the lender pays us for the job under its terms. We install the system as normal, and you repay the lender on the schedule you agreed. Your warranty with us is the same as for any other customer.
Get your quote
We inspect your home for free and send a fixed written quote for the system you want.
Apply
Apply with the lender using your quote. The lender tells you whether you are approved and on what terms.
We install
Once the lender has approved you and the job is booked, our in-house team installs and commissions the system.
Repay over time
You repay the lender directly, on the schedule set out in your loan contract.
Paying us directly
How do payments work if I pay upfront?
We take card or bank transfer. Up to 50% is paid upfront to book the job, and the balance is due on completion. Ducted jobs are paid in stages: a payment to book the site inspection and install, a payment to order the unit, and the balance when the work is finished. Quotes are valid for 21 days.
Our warranty, including the 10-year workmanship guarantee, applies once the job is paid in full. Full terms are in our terms and conditions.
Need help?
Who do I talk to about finance?
For questions about your quote, the job or how finance fits in, call us on 1300 101 100. For questions about your application, interest, approval or repayments, contact the lender directly using the details in your loan documents.
Call 1300 101 100 (Monday to Friday 7am–4pm, Saturday and Sunday 9am–4pm) or request a free quote.
Good questions
Finance questions
Can I get finance for air conditioning with Frost Solutions?
Yes, finance is available on approved application through a third-party lender. The lender decides whether to approve you and sets the amount, term, interest and fees. Ask us about it when you request your free quote.
Will I pay interest?
Usually, yes. Most finance products charge interest and may charge fees, and the rate depends on the lender and your circumstances. Read the lender’s terms and comparison rate before you sign.
Does applying affect my credit score?
That depends on the lender. Some offer a quote or pre-approval check that does not affect your credit score; a full application normally involves a credit check. The lender will tell you which applies before you proceed.
Is finance available for split systems as well as ducted?
Finance is usually used for larger jobs such as ducted aircon packages and multi-room installs, but ask us about your job and we will tell you what is available.
How do I pay if I do not use finance?
We take card or bank transfer. Up to 50% is paid upfront, with the balance on completion; ducted jobs are paid in stages. Our warranty applies once the job is paid in full.
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Your comfort, our priority.
Ask about finance with your quote
Tell us what you need installed and mention finance. We will quote the job and explain the payment options.