Renting to own can be nice for something like a home stereo system that is high quality and pricey or even getting the best in a new computer.
But when it comes to central heating and air conditioning systems never rent to own! If something were to go wrong with your income where you could not afford a payment, they would come and take the central heat and a/c unit from you and you would therefore have no heating and cooling in your home! A friend of mine did this and paid the price by experiencing what I just described.
The best way to get a central heating and air conditioning system if you can not afford it flat out all at once is to either find a heating and cooling dealership that offers monthly payment plans or to just charge it to a credit card if you happen to have good credit and a card with thousands of dollars available on it. Those are the best 2 ways to get a brand new and up to date central heating and air conditioning system without having to have all the money up front. That is actually how I got my new heat and a/c unit. I happened to find a heating and cooling company that had a great monthly payment plan for all HVAC equipment bought from them. I will be paying it off for some years, but at least I was able to get a brand new and totally up to date central heating and air conditioning system that I never have to worry about getting taken away!