AC & Heating Repair Financing

Nothing makes a commute more miserable than a broken AC in summer or failed heater in winter. These repairs can be expensive—especially compressor or heater core replacement. Tresl helps you restore comfort without breaking the bank.

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❄️ AC Compressor
🌡️ Heater Core
💨 Blower Motor
🔧 Refrigerant Service
$150-$1,500Typical Repair Range
$500-$1,200Compressor Replacement
$500-$1,500Heater Core Replacement
7.99%APR Starting Rate

Air Conditioning vs Heating Systems

While they share some components, AC and heating are separate systems with different failure modes.

❄️ Air Conditioning

How It Works

Refrigerant circulates through a closed loop: compressor pressurizes gas, condenser releases heat outside, expansion valve drops pressure, evaporator absorbs cabin heat. A complex dance of pressure and temperature.

Key Components

  • Compressor – The "heart" that circulates refrigerant ($400-$900)
  • Condenser – Releases heat, located in front of radiator ($200-$500)
  • Evaporator – Absorbs heat inside cabin, hidden behind dash ($500-$1,000)
  • Expansion Valve – Controls refrigerant flow ($150-$350)
  • Refrigerant – R-134a or R-1234yf, the cooling medium ($50-$200)

🔥 Heating System

How It Works

Hot engine coolant flows through a small radiator (heater core) inside the dash. A blower fan pushes air through the core, warming it before entering the cabin. Simple but effective.

Key Components

  • Heater Core – Mini radiator behind dash, can leak ($300-$1,000)
  • Blower Motor – Fan that moves air through system ($150-$400)
  • Blend Door – Controls hot/cold air mixing ($200-$600)
  • Thermostat – Regulates coolant temperature ($100-$250)
  • Coolant – Engine coolant doubles as heat source ($20-$50)

Common AC & Heating Problems

Match your symptoms to the likely cause.

AC Problems

🌡️
AC Blows Warm Air

Low refrigerant (leak), failed compressor, clogged condenser, or electrical issue. Most common AC complaint.

💨
Weak Airflow

Clogged cabin filter, failing blower motor, blocked evaporator, or duct obstruction. Check cabin filter first.

🔊
AC Makes Noise When On

Worn compressor clutch, failing compressor bearings, or loose belt. Grinding or squealing are bad signs.

👃
Musty Smell from Vents

Mold/mildew growth on evaporator or in ducts. Common in humid climates. Requires evaporator cleaning.

Heating Problems

❄️
No Heat at All

Low coolant, stuck thermostat, clogged heater core, or blend door failure. Check coolant level first.

💧
Sweet Smell or Foggy Windows

Leaking heater core. Coolant mist enters cabin, creating fog and sweet smell. Requires core replacement.

🌊
Wet Floor (Passenger Side)

Leaking heater core dripping coolant onto floor. Or clogged AC drain (water). Check fluid type to diagnose.

⏱️
Takes Long to Warm Up

Stuck-open thermostat allows coolant to flow constantly, preventing engine from reaching operating temperature.

Component Repair Costs

AC and heating repairs vary widely based on the component and accessibility.

⚙️

AC Compressor

The most expensive AC repair. Compressor failure often contaminates the system, requiring full flush.

$500-$1,200 installed
🧊

AC Recharge

Adding refrigerant to low system. If it's low, there's a leak that should be found and fixed.

$100-$250
🌀

Condenser

Located in front of radiator, vulnerable to road debris damage. Replacement is straightforward.

$300-$700 installed
🔥

Heater Core

Buried deep in dash, labor-intensive to replace. The part is cheap; the labor is expensive.

$500-$1,500 installed
💨

Blower Motor

Electric fan that moves air. Usually accessible under dash. Common failure point.

$200-$500 installed
🚪

Blend Door Actuator

Small motor that controls air mixing. Often causes clicking sounds behind dash.

$150-$400 installed

💡 AC Recharge Isn't a Permanent Fix

If your AC needs refrigerant, you have a leak. Recharging without fixing the leak just delays the problem—and releases refrigerant into the atmosphere. A proper repair includes leak detection and repair before recharging. Expect to pay more upfront but save money long-term.

AC & Heating Service Pricing

ServicePartsLaborTotal
AC Performance Check$50-$100$50-$100
Refrigerant Recharge$30-$100$70-$150$100-$250
Leak Detection & Repair$50-$200$100-$300$150-$500
AC Compressor$300-$700$200-$500$500-$1,200
Condenser$150-$400$150-$300$300-$700
Evaporator$200-$500$400-$800$600-$1,300
Heater Core$100-$300$400-$1,200$500-$1,500
Blower Motor$100-$250$100-$250$200-$500
Thermostat$30-$80$70-$170$100-$250

Finance Your Climate Control Repair

Why Finance HVAC Repairs?

AC compressor and heater core repairs are among the most expensive maintenance items. These aren't optional—driving without AC in summer heat or heat in winter cold is miserable and sometimes dangerous. Financing makes essential comfort repairs affordable.

  • Borrow $500-$5,000 – Cover complete HVAC repairs
  • APR from 7.99% – Competitive rates
  • 24-hour decisions – Fast approval
  • Use any shop – AC specialist or general repair

Sample Monthly Payments

Amount12 Mo24 Mo
$500$45/mo$24/mo
$1,000$89/mo$47/mo
$1,500$134/mo$71/mo
$2,000$179/mo$95/mo

*Estimated at 12.99% APR

AC & Heating FAQs

Why is my AC repair so expensive?
AC systems are sealed and pressurized, requiring specialized equipment and certified technicians. Compressors are expensive parts, and many AC components are buried in tight spaces requiring significant labor. Additionally, modern refrigerant (R-1234yf) costs much more than older types.
Can I just add refrigerant myself?
DIY recharge kits exist but have downsides: they can't detect leaks, may overcharge the system (causing damage), and often contain sealers that can clog components. Professional diagnosis ensures the actual problem is fixed. If there's a leak, DIY recharge just delays proper repair.
Why does heater core replacement cost so much?
The heater core itself is inexpensive ($50-$150), but it's buried deep behind the dashboard. Accessing it often requires removing the entire dashboard assembly—8-12 hours of labor. The labor cost vastly exceeds the part cost.
Should I run AC in winter?
Yes, periodically. Running AC keeps seals lubricated and prevents refrigerant from settling. Most defrost modes automatically engage AC to dehumidify air. Running AC 10-15 minutes weekly in winter helps maintain system health.
What's the difference between R-134a and R-1234yf?
R-1234yf is the newer, more environmentally friendly refrigerant required in vehicles since 2017. It's significantly more expensive ($50-$100/lb vs $5-$10/lb for R-134a) and requires different equipment. Check your AC sticker to know which your car uses.

Stay Comfortable Year-Round

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