Financing, so a dead system is not a crisis
A system rarely fails at a convenient moment. Our financing partner, Optimus, checks your options with a soft credit pull, so looking costs you nothing.
- Rated
- 4.9 from 247 Google reviews
- Licensed
- GA License CR110616
- Priced
- Flat rate, approved before we start
- Open
- Mon–Fri, 8–5 · call or text
How it works
Three things worth knowing before you apply.
- A soft credit pull first
- Seeing what you qualify for does not put a hard inquiry on your credit report. You can check before you decide anything.
- One application, several options
- Optimus matches you with lending and leasing options from their network, so you are not filling out four applications to compare terms.
- A decision in seconds
- Most applicants get an answer immediately, which means you can make the replacement decision with real numbers in front of you.
Financing is provided by Optimus and its lending partners, subject to credit approval. On Time Air does not set rates or terms. Ask us for details.
Financing questions
Does checking affect my credit score?
No. The initial check is a soft pull. A hard inquiry only happens if you move forward with a specific offer.
Can I finance a repair, not just a new system?
Yes. Major repairs can be financed the same way. Ask us when we quote the work.
Who actually lends the money?
Optimus and its lending partners, not On Time Air. We do not set the rates or the terms and we do not receive your financial details.
What if I would rather not finance?
Then do not. We will quote the system or the repair at its flat price and you pay however you like. Financing is an option, not a push.
Want the numbers on a new system?
We will size it to your house, quote it in writing, and show you the monthly figure next to the up-front one.