Affordable Comfort Starts Here
Flexible financing options so you can enjoy a new ductless mini split system today with easy monthly payments.
Simple Process
How Financing Works
Getting started is quick and straightforward. Three simple steps stand between you and a more comfortable home.
Apply
Complete a quick online application in minutes. The process is simple, secure, and designed to get you an answer fast.
Get Approved
Receive a decision quickly with multiple plan options tailored to your budget. Choose the terms that work best for you.
Schedule Install
Once approved, we schedule your installation at a time that fits your life. Enjoy your new comfort system right away.
Estimate Your Payment
Monthly payment calculator
Estimate what a new ductless system could cost per month. Slide to your project size, pick a term, and see a ballpark payment — then we'll lock in the real numbers at your free in-home estimate.
Project details
Estimated monthly payment
$137/mo
Estimate only — subject to credit approval. Actual terms come from our financing program and are set by the lender.
CPS Energy rebates
Qualifying high-efficiency mini-split heat pumps earn a CPS Energy rebate of $90–$310 per cooling ton (verified July 2026) — we verify your exact amount and handle the paperwork. The federal 25C tax credit ended 12/31/2025, and Texas's home-energy rebate program isn't live yet — we'll guide you when it opens.
This calculator is for illustration only and is not an offer of credit or a tax opinion. Confirm eligibility with a tax professional.
San Antonio Rebates & Savings
See what you could save in San Antonio
Tell us your situation and we’ll show the incentives a ductless upgrade may qualify for — current CPS Energy rebates, the upcoming Texas rebate program, and the efficiency you stand to gain.
1. What’s your situation?
2. Home size (optional)
Check my incentives & savings
We’ll verify your CPS Energy eligibility and rebate amount, and add you to the Texas rebate list — your situation comes with your request.
The Mini Split Company — Rebates & Savings Review
Financing-page rebates estimator (/financing). The visitor's situation and surfaced incentives are captured automatically from the on-page tool and travel with the lead.
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What you may qualify for
Replacing window units
CPS Energy rebates
San Antonio's utility pays $90–$310 per cooling ton for qualifying high-efficiency mini-split heat pumps (verified July 2026 — amount depends on SEER2 tier and replacement type). We verify your exact rebate before you sign anything.
Federal 25C tax credit — ended
The federal heat-pump tax credit ended for systems placed in service after December 31, 2025. Installed in 2025? You can still claim it on your 2025 return — we'll provide the documentation.
Texas HEAR rebates (not live yet)
Texas's federally funded Home Energy Rebates (HEAR) aren't live — the state is targeting a fall 2026 launch, pending federal approval, and no amounts are official. Join the list below and we'll tell you the moment they open.
Efficiency savings
Modern inverter mini splits run far more efficiently than window & portable units. Many San Antonio homes see an estimated 20–40% reduction in cooling energy use — actual savings vary by home, usage, and equipment.
Incentive programs change often — figures verified July 2026. The federal 25C credit ended December 31, 2025 and does not apply to new installs; CPS Energy rebate amounts are verified live for your exact system; Texas HEAR rebates are not yet available. Efficiency figures are estimates that vary by home, usage, and equipment — we confirm everything in writing during your free estimate.
Why Finance With Us
Financing Benefits
Low Monthly Payments
Spread the cost of your new mini split system into manageable monthly payments that fit your household budget.
No Prepayment Penalties
Pay off your balance early whenever you want — there are no penalties or hidden fees for prepayment.
Quick Approval
Our streamlined application process delivers fast decisions so you can move forward without waiting.
Flexible Terms
Choose from plans ranging from 12 to 60 months, with options designed to match a variety of financial situations.
Easy Online Management
Manage your account, make payments, and review your balance anytime through a convenient online portal.
Competitive Rates
We partner with leading lenders to bring you competitive APR rates, helping keep the total cost of ownership low.
Your Options
Financing Plans
The Mini Split Company partners with leading lenders to offer multiple financing plans for ductless mini split installations. Whether you need a single-zone system for one room or a multi-zone setup for your entire home, there is a plan that fits.
During your free estimate, we will walk you through each available option, explain the total cost of your project, and help you select the plan that makes the most sense for your situation — with zero pressure.
12–60 mo
Terms available
Competitive
APR rates
No penalty
Prepayment
All financing is subject to credit approval. Terms, rates, and availability may vary based on creditworthiness and plan selected.
Common Questions
Frequently Asked Questions
Our lending partners offer plans for a range of credit profiles. Even if your credit isn’t perfect, there may be options available to you. The quickest way to find out is to submit an application — it only takes a few minutes and checking your rate won’t affect your credit score.
Most applicants receive a decision within minutes of submitting the online application. Once approved, you can review available plan options and select the terms that work best for your budget right away.
Absolutely. There are no prepayment penalties on any of our financing plans. You’re free to make extra payments or pay off the full balance at any time without incurring additional fees.
We offer plans ranging from 12 to 60 months with competitive APR rates. The exact terms and rates available to you depend on the plan you choose and your credit profile. Our team can walk you through every option before you commit.
The initial application typically involves a soft credit inquiry, which does not affect your credit score. A hard inquiry may occur only after you choose a plan and formally accept the terms.
Ready to Get Started?
Apply for financing today or call us to discuss your options. The Mini Split Company makes comfort affordable.