installation is included with purchase, or must be paid for separately

Hello, we do not offer installation. We allow the customer to choose a local installer/contractor that best fits their needs and budget. Some great resources to find someone is Thumbtack.com and Yelp.com. As far as a payment plan, the initial cost can vary depending on the plan you choose. Please follow the payment plan guidelines within your cart and there is also an FAQ section that may be able to answer some future questions. Below is an link that will give you some more financing information as well. Of course, if you have any other questions please feel free to give us a call! Thank you. https://hvacdirect.com/financing