How Financing a New HVAC System Through WeaveAire Works

A failed furnace or a dying air conditioner rarely waits for a convenient time in the budget. That’s why WeaveAire works with Optimus, a third-party financing partner, to give homeowners across Downers Grove and the western Chicago suburbs a way to move forward with a new heating or cooling system without paying the full cost up front.

What Optimus Financing Is

Optimus is an outside financing company that WeaveAire partners with so customers have an option beyond paying cash or putting the project on a personal credit card. In general terms, equipment financing like this lets you spread the cost of a new furnace, air conditioner, boiler, or ductless system over a series of monthly payments instead of one lump sum. The application itself is handled directly through Optimus, not WeaveAire, and is typically completed online in a few minutes.

Every financing program works a little differently, and the specific terms offered to you — the length of the repayment period, the rate, and the monthly payment — depend on the application itself. WeaveAire doesn’t set those terms and can’t tell you in advance exactly what you’ll qualify for; that information comes from Optimus once an application is submitted.

Who Financing Is Generally For

Financing tends to make sense for homeowners who need a system replaced sooner than planned — for example, a mid-summer AC failure or a furnace unlikely to make it through another Illinois winter — and who would rather spread the cost out than delay the repair or replacement. It can also be a reasonable option for anyone comparing the total cost of a repair against a full system replacement and who wants monthly payment numbers to weigh alongside repair estimates.

If you’re still deciding whether a repair or a full replacement is the right call in the first place, our AC repair vs. replacement guide walks through the general factors homeowners consider before financing even enters the conversation.

How to Find Out What Applies to You

Because financing terms are determined by Optimus based on your specific application, the only way to know what you’d actually qualify for is to apply directly. Submitting an application does not commit you to purchasing anything — it’s a way to see what options may be available before you decide how to pay for a new system.

If rebates or tax credits are also part of your decision, it’s worth looking into those around the same time you’re weighing financing, since they can affect the net cost of the system you finance. Our guides to ComEd and Nicor Gas rebate programs and the federal tax credit for high-efficiency equipment cover how to check what you may currently qualify for on those fronts.

Start the Process

If you’re ready to see what financing options may be available for your new HVAC system, you can start a financing application with Optimus directly. If you have questions about which system or service fits your home before you apply, call WeaveAire at (630) 442-9250 and we can talk through your options.

Frequently Asked Questions

Does WeaveAire handle the financing directly?

No. Optimus is a separate financing company that WeaveAire partners with. The application, approval decision, and repayment terms are all handled by Optimus, not WeaveAire.

Will applying affect my credit?

Application processes vary by lender and can involve a credit check. Optimus can tell you exactly how their application process works and what it may involve — that’s a good question to ask when you apply, since WeaveAire doesn’t control or have visibility into their underwriting process.

How long does the application take?

The application is typically completed online and designed to be quick, but exact timing can vary by applicant. The Optimus application page will walk you through what’s needed.

Can I use financing for a repair, or only a full system replacement?

Financing through Optimus is generally intended for larger purchases like a new system installation rather than smaller repairs, but the best way to confirm what a specific project qualifies for is to ask when you apply, or to call WeaveAire first to discuss your project.

What if I don’t end up qualifying for the terms I was hoping for?

Financing is one option among several ways to pay for a new HVAC system. If financing doesn’t end up being the right fit, WeaveAire can still discuss the project with you directly — call (630) 442-9250 to talk through alternatives.

Does financing affect whether I can also use a utility rebate or tax credit?

Financing and rebates or tax credits are generally separate things — one is how you pay for the system, the other is a potential reduction in the overall cost. It’s worth checking both, since qualifying equipment and how you pay for it are usually independent questions. See our guides on ComEd and Nicor Gas rebates and the federal tax credit for more on checking eligibility for those separately.

Written by The WeaveAire Team