Last Updated on November 9, 2026
Air conditioning · Ways to pay · Checked November 2026
Get your fixed, fully installed air con price first, then choose how to pay. Book with a £100 deposit and finance the balance with Zopa over 48, 60 or 120 months at 10.9% APR. Credit is subject to status.
4.6 on Trustpilot · 655 reviews (November 2026)- ✔ £100 deposit to book
- ✔ 48, 60 or 120 months
- ✔ Finance provided by Zopa
Representative example from our online price, checked November 2026. Eco Happy Installs Limited (FRN 1051640) is a credit broker. Air con finance is provided by Zopa, subject to status. How to read a finance quote: always compare the total amount payable, not just the monthly figure.
A heatwave doesn’t wait for payday. If you’ve priced up a proper split system and the total is more than you want to pay in one go, finance lets you spread the cost of the units and the installation over monthly payments. Here’s exactly how it works with Eco Happy, what it costs, and what to check before you apply.
Contents
Quick answer
Quick answer
Yes. With Eco Happy you book your installation with a £100 deposit, then finance the rest with Zopa over 48, 60 or 120 months at 10.9% APR. If your system has 4 or more indoor units, you can also choose 24 months at 0% APR. Credit is subject to status and affordability.
How air con finance works with Eco Happy
Get your fixed price
Tell us about your rooms online and get one fully installed package price in minutes.
Choose pay monthly
Pick a term and see your monthly payment, then complete a short finance application on our page.
Pay your £100 deposit
Once you’ve submitted your application, pay the £100 deposit by card and pick your install week.
Lender decision
The lender checks your application. Approval is subject to status, affordability and lender checks.
Virtual survey
We send you a link to book a virtual survey, so the scope is confirmed before installation.
Installation
Our F-Gas certified engineers fit, test and commission your system and show you how to use it.
What you can finance
Finance is based on your full fixed quote, not just the price of the box. That means the amount you borrow covers:
- Your indoor and outdoor units
- Pipework, cabling and condensate drainage (including a pump where needed)
- Electrical connection and isolation switches
- Full F-Gas installation, pressure testing and commissioning
- Making good and waste removal
- Your warranties: 6 years’ parts and labour on Haier Pearl Premium, plus our 12-month workmanship warranty
The amount you finance is your package price minus the £100 deposit. Anything added after your survey (such as extra pipework beyond your agreed allowance at £50 per metre) is confirmed with you before work goes ahead.
0% APR vs interest-bearing terms
0% APR over 24 months
0% interest
Available on systems with 4 or more indoor units. You repay only what you borrow, but monthly payments are higher because the term is shorter.
10.9% APR over 48, 60 or 120 months
Lower monthly
Available on every system. Longer terms mean smaller monthly payments, but you pay more interest in total.
Always compare the total, not just the monthly figure
A lower monthly payment over a longer term usually means paying more overall. Look at the cash price, the deposit, the number of payments, the total amount payable and the total charge for credit before you choose.
Example repayments
These examples use our current online prices with the £100 deposit taken off. They’re calculated at the representative APR, and your finance application shows the exact figures for your quote.
| System (cash price) | Term and APR | Monthly payment | Total amount payable | Total charge for credit |
|---|---|---|---|---|
| 1 room · £2,160 | 48 months · 10.9% APR | £52.63 | £2,626.44 | £466.44 |
| 1 room · £2,160 | 60 months · 10.9% APR | £44.17 | £2,749.95 | £589.95 |
| 1 room · £2,160 | 120 months · 10.9% APR | £27.67 | £3,420.47 | £1,260.47 |
| 4 rooms · £5,484.94 | 24 months · 0% APR | £224.37 | £5,484.94 | £0 |
Cash price vs total amount payable on a 1-room system (£2,160)
Representative example
Illustrative example: cash price £2,160. Deposit £100. Amount of credit £2,060. 60 monthly payments of £44.17. Total amount payable £2,749.95. Total charge for credit £589.95. Representative 10.9% APR. Duration of agreement 60 months.
Eco Happy Installs Limited (FRN 1051640) is a credit broker. Air con finance is provided by Zopa, subject to status.
How much can I borrow?
Your Zopa finance application confirms how much you can borrow. Our fixed air con packages range from £2,160 for one room to £6,287.44 for five rooms, less your £100 deposit.
Important information
- Finance is for UK residents aged 18 or over, and is subject to status, affordability and lender approval.
- Applying for finance involves a credit check by the lender, which may be recorded on your credit file.
- Missing payments could affect your credit rating and make it harder to get credit in future.
- You can usually repay early; the lender will tell you any early settlement terms in your agreement.
- Eco Happy is a credit broker, not a lender. Air con finance is provided by Zopa, which makes the lending decision.
If your application isn’t approved
There’s no pressure. You can still book by paying in full: a £100 deposit now and the balance later. Or speak to us on 0114 387 7066 about the best way forward.
Pair finance with the right system
Finance makes most sense when you’re paying for a system you’ll use for years. Before you apply, make sure you’re choosing the right setup:
- Air con installation costs
- Split vs portable air con
- Split vs multi-split
- Best air con units
- Air conditioning at Eco Happy
- Boilers on finance
Remember that most fixed split systems are reversible, so they heat as well as cool. That gives you more use from the system all year round, which can make monthly payments better value than a cooling-only portable unit.
What our customers say
★★★★★
“Great company, had my air con fitted by these, they done a fantastic job, the fitters were very nice and friendly… Very happy with the service they provided and the finished product.”
Air conditioning customer · Trustpilot, Oct 2026
Rated 4.6 out of 5 from 655 reviews on Trustpilot (November 2026). Read all reviews, good and bad →
Air conditioning finance FAQs
Can I buy air conditioning on finance?
Yes. Get your fixed Eco Happy air con price online, book with a £100 deposit and finance the balance with Zopa over 48, 60 or 120 months at 10.9% APR. Systems with 4 or more indoor units can also choose 24 months at 0% APR. Credit is subject to status.
Does finance cover installation as well as the unit?
Yes. The amount you finance is based on your full fixed package price, which covers the units, pipework, electrics, condensate drainage, F-Gas installation and commissioning, minus your £100 deposit.
Do I need a deposit?
Yes. Every air con installation is booked with a £100 deposit, paid by card. You can then finance the remaining balance.
Is 0% APR air conditioning finance available?
Yes, on systems with 4 or more indoor units, over 24 months. Smaller systems can use our interest-bearing terms at 10.9% APR over 48, 60 or 120 months.
Will applying affect my credit file?
Getting a quote doesn’t. Submitting a finance application means the lender carries out a credit check, which may be recorded on your credit file. Your lender explains this before you apply.
Can I settle my finance early?
Usually, yes. Your agreement with the lender sets out how early settlement works and any fee that applies.
What if my application is declined?
You can still book by paying in full: the £100 deposit now and the balance later. Or call us on 0114 387 7066 and we’ll talk through your options.
Is finance available for commercial air conditioning?
Our online finance options are for domestic installations. For business premises, see our commercial air conditioning page or call us to discuss your project.
Get your price, then choose how to pay
Your fixed, fully installed air con price takes minutes. See pay-in-full and monthly options side by side before you commit.
Prefer to talk? Call us on 0114 387 7066.
Eco Happy Installs Limited (FRN 1051640) is a credit broker. Air con finance is provided by Zopa, subject to status. We are authorised and regulated by the Financial Conduct Authority as a credit broker, not a lender. The availability of finance and the terms offered will depend on your individual circumstances. Credit is subject to status, affordability and lender approval. Terms and conditions apply.
Air con finance is provided by Zopa. Examples are illustrative and based on our online prices in November 2026. Your credit agreement will show the exact amounts.
