Explore smart ways to cool your space and spread out the cost.

• Discover top affordable air conditioners and fans to beat the heat in any space.
• Get tips on energy-efficient features that help keep your home cool and your power bills low.
• See how Snap Finance can help you get the cooling gear you need now and pay over time.

When temperatures rise, so do your chances of sleepless nights, overheated afternoons, and sky-high energy bills. A reliable cooling system is more than a luxury – it’s a summer survival essential. But staying comfortable doesn’t mean you have to spend a fortune. Whether you’re looking to chill your whole home or just cool down a single room, there are affordable options that work for every space – and every budget.

From compact window units to sleek tower fans, here’s how to stay cool this summer without breaking the bank. And with lease-to-own financing from Snap Finance, you can get the cooling comfort you need now and pay over time.1

Best budget air conditioners and tower fans

You don’t need to splurge on a whole-home HVAC system to beat the heat. These budget-friendly air conditioners and fans can deliver serious cooling power without the high price tag. Find the one that works best for you.

•  Window air conditioners
  Perfect for small spaces or single rooms, window AC units are efficient, easy to install, and cost significantly less than central air systems. Many models under $300 can cool rooms up to 250 square feet.
• Portable air conditioners
  If your space doesn’t allow for a window unit – or you want something you can move from room to room – portable ACs are a great option. They usually come with a simple exhaust hose that fits into a window and can cool mid-sized spaces with ease. Expect to pay around $300–$500 for a reliable unit.
• Tower fans
  Need a more affordable option with zero installation required? Tower fans are a popular pick. Many high-performing models fall below the $100 mark and offer features like oscillation, remote control, multiple speed settings, and even air purification.
• Box fans and desk fans
  For under $50, basic box and floor fans can still go a long way in improving airflow. They’re lightweight, portable, and ideal for supplementing existing cooling systems or directing air where you need it most.

Energy-efficient options that lower bills

Cooling off doesn't have to heat up your energy bill. Choosing the right air conditioner or fan can make a noticeable difference, not just in your comfort but in your utility costs. Whether you’re cooling a single room or your entire home, energy efficiency can help you stay chill without draining your wallet. Below are some of the most cost-effective and energy-smart ways to beat the heat this summer.

• Inverter technology
  Many modern air conditioners use inverter technology, which allows the compressor to run at variable speeds instead of constantly turning on and off. This results in better energy efficiency, quieter operation, and less wear on the unit.
• Programmable features
  Features like timers and smart thermostats let you control when your appliance runs – perfect for keeping your home cool only when you need it. Some smart AC units can even be controlled via smartphone, helping you avoid wasting energy when you're away from home.
• ENERGY STARÒ ratings
  Products with the ENERGY STAR label meet strict energy-efficiency standards. That means they use less electricity to deliver the same performance, keeping your power bills manageable during peak summer months.
• Fan + AC combos

Want the benefits of both? Some units now combine fan circulation with AC cooling. These hybrid models can switch modes depending on the temperature, helping reduce the workload – and energy draw – of your AC. The result? More comfort and less cost over time.

Finance now, chill now: lease-to-own cooling gear

It’s frustrating when your need for an air conditioner or fan doesn’t line up with your budget. Maybe you just moved, your old AC quit working, or this year’s heatwave is hotter than usual. Whatever the reason, you don’t have to sweat the upfront cost.

With Snap’s lease-to-own financing, you can get the cooling appliance you need now and pay over time.¹ There’s no credit needed² to apply, and the application process is fast and easy. You’ll get a decision in seconds, and if approved, you can start shopping right away at a participating retailer.

 Here’s how it works:

• Apply online or in-store in just a few minutes.
• If approved, get instant access to up to $5,000 in lease-to-own financing.³
• Start shopping right away – use our Store Locator to find a retailer online or near you.
• Make convenient payments over time.

Snap gives you the freedom to get what you need when you need it without compromising your summer comfort. Whether it’s a portable AC or a new energy-efficient window unit, Snap can help make it yours with accessible lease-to-own financing that takes a fresh approach on creditworthiness.

Quick and convenient pickup options

When it’s 90 degrees outside and your current fan just isn’t cutting it, time matters. Many retailers, including many Snap Partner stores, offer fast in-store pickup or local delivery options, so you can get your new cooling appliance without waiting days for shipping.

Depending on your location and the retailer’s policies, you may even be able to take home your items the same day you apply and get approved with Snap.

This convenience means you don’t have to spend another day sweating it out. You can apply, shop, and cool down – all on your schedule.

Comfort doesn’t have to cost you a lot upfront

With record-breaking heat becoming the norm, keeping cool isn’t just about comfort – it’s about staying safe and healthy. And while quality air conditioners and fans can come with a hefty price tag, that doesn’t mean you have to drain your savings or max out your credit card.

Whether you're cooling a small room or your whole home, there's an option to fit your space and your budget. And with Snap Finance, you can get the option you want now and pay later with lease-to-own financing.

So if you're ready to chill without paying for it all upfront, apply now and explore lease-to-own financing for cooling appliances and more.

Want more tips to help you shop wisely and stay on top of your finances? These helpful resources from Snap can guide you toward smarter spending and greater comfort:

• Shop smarter, not harder: Tips to make the most of your Labor Day shopping
• Six ways to save more money in 2024
• A very merry mattress shopping guide

The advertised service is a lease-to-own agreement provided by Snap RTO LLC. Lease-to-own financing is not available to residents of Minnesota, New Jersey, and Wisconsin.

¹Not all air-conditioning or cooling units are eligible for lease-to-own financing from Snap.

²Not all applicants are approved. While no credit history is required, Snap obtains information from consumer reporting agencies in connection with applications, and your score with those agencies may be affected.

³Approval amounts vary from $300 to $5,000, subject to underwriting, and apply only to the cash price of leased items.