Pay over time at The AC Outlet

The AC Outlet is an online HVAC retailer selling central AC, heat pumps, furnaces and mini splits. We confirmed Affirm and PayTomorrow here.

Ways to pay over time

Options and terms can change and depend on your credit. Confirm at checkout before you accept.

Pay later

Affirm

Minimum purchase
Often $50
APR
0% to 36%
Credit check
Won't affect your score

Checked Nov 10, 2026 Affirm is set up on the store’s website

Store offer, minimum and plan lengths are from The AC Outlet’s website. APR and credit check are Affirm’s general terms.

All Affirm stores and terms

Loans and lease-to-own

PayTomorrow

Cost
0% to 16% APR or lease cost
Credit check
Soft to see offers

Checked Nov 11, 2026 We saw PayTomorrow at the store’s checkout

Store offer, minimum and plan lengths are from The AC Outlet’s website. Cost and credit check are PayTomorrow’s general terms.

All PayTomorrow stores and terms

Takes PayPal

PayPal (Pay Later inside PayPal)

The AC Outlet takes PayPal at checkout. We didn't see Pay Later advertised on its site, but for eligible US orders Pay in 4 usually shows inside the PayPal window. Check there before you rely on it.

Checked Nov 10, 2026

PayPal Pay Later terms and stores

What a plan could cost

Example: Bosch Connected Control BCC110 Wi-Fi Thermostat at $295.00 (price on Nov 11, 2026), paid monthly over 12 months with Affirm financing, where the store offers it.

Affirm Pay in 4: 4 payments of $73.75 every 2 weeks, with no interest if you pay on time.

APRMonthlyTotal paidInterest
0%$24.58$295.00$0.00
19.99%$27.33$327.91$32.91
36%$29.64$355.64$60.64

For illustration only, before tax and shipping. Your APR depends on your credit and the plan. 0% APR is only possible if the store runs a 0% offer and you qualify.

How to pay over time at The AC Outlet

  1. Add what you want to your cart on theacoutlet.com.
  2. At checkout, choose Affirm or PayTomorrow.
  3. Each one runs its own check. The cards above show which use a soft check and which can affect your credit.
  4. Compare the plans and the total cost, then accept only if the total works for you.

Questions about The AC Outlet financing

Does The AC Outlet offer financing?

Yes. We confirmed Affirm and PayTomorrow at The AC Outlet on Nov 11, 2026. Options can change, so check at checkout before you buy.

Will checking my rate at The AC Outlet affect my credit score?

Checking your plans with Affirm does not affect your credit score. If you take a loan, Affirm reports it to Experian, including Pay in 4.

Can I use Affirm in a The AC Outlet store?

We checked online shopping at The AC Outlet only. If the store has physical locations, ask there whether financing is available.

More stores: Home improvement

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