HVAC TPO
How it works Why leasing My quote Get my price
Comfortable modern home
Installed by a vetted local pro

A brand-new AC & heating system. One low monthly payment.

$0 down. Get your instant price online — no salesperson, no loan paperwork. A local HVAC company handles the install.

No salespersonNo loan paperworkDone in minutes

1. We right-size it for you

Enter your address and we recommend the correct system for your home — automatically.

2. You choose your terms

Pick the years and payment plan that fit your budget. No haggling, no loan officer.

3. A local pro installs it

Your assigned HVAC company contacts you, surveys your home, and does a professional install.

Satellite view of home
Your address
Right-sized for your home

Heat Pump System

Based on your home's size, age, and climate zone. A local pro will confirm on-site.
$0/month
Lowest available payment · $0 down
Term length
Annual escalator
Professional installation included
All maintenance & repairs included
Full manufacturer warranty
Not the right system? Correct it

A licensed local HVAC company will be assigned to your install. They contact you to schedule a home survey and confirm the equipment is exactly right — before anything is finalized.

← Back to your quote

Correct your system type

We sized this from your home's details. If you know your equipment is different — wrong system type or size — fix it here and we'll re-price. This isn't a required step; your assigned local pro confirms the final spec on-site.

System type
System size We recommend 3-ton
Equipment tier

Standard

Reliable, efficient comfort. Essential maintenance and standard support included.

Included in your price

Premium

Higher efficiency, quieter operation, smart monitoring, and a 10-year extended warranty.

Higher efficiency
Not sure? Leave our recommendation — the assigned local HVAC pro double-checks sizing on-site at no cost.
$0/month
12-year term · 0% escalator shown

Choose your terms

This is the part a salesperson used to decide for you. Set the length and payment plan yourself — your monthly updates instantly.

Comfort level
Choose the equipment tier. A higher tier costs a little more each month for better efficiency and a longer warranty.
Length of lease
A longer term lowers your monthly payment. A shorter term costs less overall.
Annual escalator
An escalator slightly raises your payment each year. A lower escalator means a higher starting payment, but less increase over time.
A higher escalator lowers your starting payment but raises it slightly each year. You'll see every year's amount before you sign.
Your monthly payment
$0/mo
Year 1 · $0 down
System3-ton · Premium
Term length12 years
Escalator0% / year
Due today$0
No commitment yet — a local pro confirms everything first.
HVAC TPO
3 Your info · almost done

Let’s check that you qualify

Enter your details to confirm you qualify for the lease. It’s a soft credit check — it won’t affect your credit score, and there’s no debt-to-income limit.

Soft credit check only — no impact to your credit score. No account or password to remember.
Secure & private No spam, ever Cancel anytime before install
HVAC technician surveying a home
★★★★★

"I got my price in five minutes and the local crew was fantastic. No pushy salesman, no loan headache."

— Marcus T., verified homeowner
You're qualified — here's what happens next

You're qualified — your local pro is next

You've completed Palmetto's qualification. Now a licensed local HVAC company takes over and handles everything professionally — once your Palmetto lease is e-signed.

Plan confirmed — 3-ton Heat Pump at $0/mo
12-year term · 0% escalator · $0 down
Local installer
Your assigned installer

Desert Air Pros, LLC

★ 4.9(312 local reviews)Licensed & insured
Contacting you within 24 hrs

What happens next

Every step handled by your assigned local professional — start to finish.

E-sign your Palmetto lease

Palmetto emails your LightReach lease agreement to review and e-sign. You'll see every year's payment before you sign.

Check your email

They reach out

Once your lease is signed, Desert Air Pros calls to introduce themselves and book your visit.

After e-sign

Home survey

A tech visits to confirm sizing, check your ducts & electrical, and verify the equipment is right.

You schedule

Professional install

Your new system is installed and tested by the local crew — typically in one day.

Days, not weeks

Comfort + coverage

Enjoy your system. Maintenance & repairs stay included for the whole term.

Ongoing
You're all set — watch your email for Palmetto's lease to e-sign.Your local installer reaches out to schedule your visit as soon as it's signed.
4 Qualify for your lease

Qualify for your lease with Palmetto

Your lease is provided by Palmetto through its LightReach program — the financing partner that owns and maintains your system while you pay one low monthly amount. Complete Palmetto's quick qualification below. Nothing else happens until this is done — your local pro only reaches out and schedules your visit after you qualify and e-sign.

Your plan — System at $0/mo
Term · escalator · $0 down
Homeowner—
Install address—
System—
Monthly payment (Year 1)—
Lease length—
Annual escalator—
Due today$0
Financing providerPalmetto · LightReach

What securing your plan involves

  1. Confirm your agreement details. Verify the system, term, and payment above match what you chose.
  2. Eligibility check. Palmetto runs a quick eligibility review for the LightReach lease — no impact to start.
  3. Review & e-sign the lease agreement. Palmetto sends your formal lease documents to e-sign. You'll see every year's payment before you sign.
  4. Local pro schedules install. Once signed, your assigned installer confirms sizing on-site and installs — typically within days.
No payment is due now and nothing is binding until you e-sign Palmetto's agreement.Your locked price is carried through exactly as shown.

You qualified — nicely done

Your plan has been submitted to Palmetto to finalize. Watch your email and phone: Palmetto sends your LightReach lease agreement to e-sign. Once it's signed, your local installer reaches out to schedule your survey and install.

How the lease works

Same professional system and install you'd get anywhere — without the upfront cost, the salesperson, or the loan paperwork.

$0 down
No big upfront check to write.
Installed in days
A local pro, not a wait list.
Maintenance included
Repairs & tune-ups covered.
Lower energy bills
Efficient modern equipment.
Option to buy later
Own it down the road.
The old way
  • A salesperson in your living room for hours
  • Confusing loan applications & credit runs
  • Pressure to decide on the spot
  • $10,000+ due before they'll start
With HVAC TPO
  • You get your price online in minutes
  • You pick your own terms — no loan officer
  • Decide on your own time, no pressure
  • A vetted local pro surveys & installs it
Buying outright
$10,000+
Upfront cost, plus repair bills
HVAC TPO
Low monthly
$0 down · everything covered

Why leasing makes sense

Replacing an HVAC system is one of the biggest, most stressful home expenses — often $10,000+ up front, plus years of unpredictable repair and maintenance costs. Leasing turns that into one predictable monthly payment, with installation, maintenance, and covered repairs bundled in.

Buy outright
$10,000+
Due up front, plus every future repair bill
Finance a loan
Interest
Credit check, loan paperwork — and you still own the repairs
Lease with HVAC TPO
Low monthly
$0 down · install, maintenance & covered repairs included

Everything that's included

$0 down
No big upfront payment — keep your cash in the bank.
One predictable payment
A single monthly payment covers the system and eligible service needs.
Professional installation
Installed by certified professionals — included, not extra.
Maintenance included
Scheduled annual maintenance and filters are part of the plan (terms apply).
Covered parts & labor
Covered parts and labor for eligible repairs for the life of the plan.
Fewer surprises
Fewer unexpected repair costs — just hot air, cold air, and peace of mind.
High-efficiency equipment
A modern, high-efficiency system tailored to your home and climate.
If it breaks, just call
Support is part of the plan — pick up the phone and we handle it.
Manage it from your phone
App and online access to billing and service requests.

Easy to qualify

Soft credit pull
Checking your options won't affect your credit score.
No debt-to-income limits
Easy approval process, built to say yes to more homeowners.
Fast, all-online
Quick approvals on a fully digital platform — no salesperson required.

You're in control at the end of your term

Choose a 10- or 12-year term up front. When it's up, the choice is yours:

Renew
Continue for 1- or 3-year terms at reduced rates — with a 25% term credit toward a new system.
Buy it
Purchase the system at a fair market rate and own it outright.
Upgrade
Roll into a new plan with the latest HVAC technology.
Walk away
Return the system and move on — no further obligation.

Coverage applies to eligible repairs and scheduled service; terms and conditions apply. A $15 monthly discount is available with Autopay. Monthly payments may include a pre-set annual adjustment between 0% and 1.99%. Equipment and availability may vary based on your home and installation requirements.

Welcome back

Let's finish setting up your system

Your saved quote
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Start by entering your address
0% complete
We saved everything — pick up any time. Your price is locked while you finish.
Licensed & insured local installers $0 down financing Maintenance included