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There's many ways to pay for your new mini-split system, including flexible payment solutions such as Affirm or PayPal Credit. These programs allow you to make monthly payments, often times with zero interest, in place of a large one-time payment up front.
There are also local, state, and federal incentives available for ENERGY-STAR rated appliances. You can search online for what local rebates are offered to you (and the conditions that need to be fulfilled to qualify).