Homeowners often go long periods of time without upgrading their HVAC systems. When they do, they are surprised at the costs. Soaring interest rates from home improvement store credit cards deter them from making the purchase. Local contractors that offer appealing financing alternatives, however, minimize the fear of such a large investment. In fact, low monthly payments ensure a homeowner reaps the savings of an energy efficient system rather than settling for a cheaper unit that would end up costing more in the long run. Financing benefits both parties by broadening the contractor's consumer base and enabling homeowners to replace their energy wasters with high-efficiency equipment.