General Assist Partner Reference
Cool Finance
Customer application, dealer settlement and compliance guidance
For GENERAL Airstage Authorised Partners offering eligible residential ducted air conditioning finance
Overview: Cool Finance is offered by GENERAL in partnership with humm90 and provides eligible customers with interest-free finance options for the purchase and installation of qualifying GENERAL Airstage ducted air conditioning systems through accredited Authorised Partners.
Important: Finance terms, promotions, eligibility, minimum amounts, merchant costs and lender requirements can change. Always confirm the current offer before quoting or advertising finance to a customer.
1. What is Cool Finance?
Cool Finance gives eligible consumers a finance option when purchasing and installing a qualifying GENERAL Airstage ducted air conditioning system through an accredited GENERAL Airstage Authorised Partner.
| Item | Current Program Position |
|---|---|
| Finance provider | humm90 |
| Standard interest-free terms | 6, 12, 24 or 36 months, subject to eligibility and the current program offer |
| Eligible purchase | Qualifying GENERAL Airstage ducted air conditioning system purchase and installation through an accredited Authorised Partner |
| Approval | Subject to lender assessment, terms and conditions |
Current promotions: Promotional finance terms may extend beyond the standard facilities. Always refer to the official Cool Finance page for the live offer and promotion end dates.
2. Customer journey
- Provide the quotation. Confirm the proposed system and installation scope with the customer.
- Discuss finance. If the customer wishes to use Cool Finance, direct them through the approved application process.
- Customer applies. The customer submits the online application directly with humm90.
- Approval and documents. The customer completes the lender's approval and e-signature process.
- Proceed with installation. Once finance approval and your internal requirements are satisfied, schedule and complete the work.
Customer-facing process: Customers can find an accredited Cool Finance Specialist and access the current humm90 application pathway from the official GENERAL Airstage Cool Finance page.
3. Dealer settlement process
- Log in to the applicable finance portal and select the approved finance term.
- Enter the final invoice amount against the customer account.
- The customer completes the required purchase acceptance/e-signature.
- Submit the signed tax invoice and any required settlement documentation.
- Monitor the transaction through to settlement and remittance.
Cash-flow tip: Submit the signed tax invoice as soon as the customer has completed purchase acceptance. Avoid holding completed settlements unnecessarily.
4. Facility fees and minimum finance amounts
Merchant/facility costs and minimum financed amounts can vary by term and promotion. Your dealership should only offer facilities that have been enabled for your account and staff should understand the applicable commercial conditions before quoting.
| Term | Partner Check |
|---|---|
| 6 months | Confirm current merchant fee and minimum finance amount |
| 12 months | Confirm current merchant fee and minimum finance amount |
| 24 months | Confirm current merchant fee and minimum finance amount |
| 36 months | Confirm current merchant fee and minimum finance amount |
Do not rely on an old fee table. Promotions and facility structures may change, so verify the current dealer guidance before presenting a finance option.
5. Marketing and advertising compliance
- Use only approved finance creative, point-of-sale material and disclaimer wording.
- Submit finance advertising for approval where required before publishing.
- Ensure advertised terms, minimum amounts, fees and lender details are current and accurate.
- Do not describe finance in a way that could imply automatic approval or remove applicable lender conditions.
6. Partner sales checklist
| Step | Action |
|---|---|
| 1 | Prepare the customer quotation and confirm the eligible system. |
| 2 | Confirm the finance term being offered is currently available. |
| 3 | Customer completes the humm90 application and lender requirements. |
| 4 | Complete installation once approval and internal requirements are satisfied. |
| 5 | Enter the final invoice amount and obtain customer acceptance. |
| 6 | Submit the signed tax invoice and complete settlement. |
7. Frequently asked questions
Can Cool Finance be used for split or multi systems?
The current public GENERAL Airstage Cool Finance information describes the program for eligible ducted air conditioning systems. Check current program rules before offering finance on any other product category.
The current public GENERAL Airstage Cool Finance information describes the program for eligible ducted air conditioning systems. Check current program rules before offering finance on any other product category.
Who pays the merchant/facility fee?
The dealer is responsible for applicable merchant costs. Check the current facility schedule and factor the cost into your commercial decision-making.
The dealer is responsible for applicable merchant costs. Check the current facility schedule and factor the cost into your commercial decision-making.
What if the customer changes the scope after approval?
Confirm the revised amount remains compatible with the approved finance facility before settlement. Where required, update the transaction or follow the lender's process for a revised purchase amount.
Confirm the revised amount remains compatible with the approved finance facility before settlement. Where required, update the transaction or follow the lender's process for a revised purchase amount.
What if the application is declined?
Do not provide credit advice or guarantee an alternative approval. The customer can consider another payment method or deal directly with the lender regarding available options.
Do not provide credit advice or guarantee an alternative approval. The customer can consider another payment method or deal directly with the lender regarding available options.
8. More information
Check the current Cool Finance offer
For current finance terms, promotions, customer application links, product information and the latest Cool Finance details, refer to the official GENERAL Airstage website.
Visit Cool FinanceFinance is subject to lender approval, eligibility criteria, terms and conditions. Promotional terms and offers may change. Always use the current approved GENERAL Airstage and humm90 information when discussing finance with customers.