Financing for Residential HVAC

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HVAC Financing

Financing your new air conditioning and heating system online should be easy.

That’s why we have included several of our most popular options below. Each of the following lenders offers different programs for different credit ranges.

We offer financing for as little as 0% APR (with approved credit), and deferred payments and have options for less-than-perfect credit scores.

There are four columns of options below. Simply choose an option that best suits your credit profile, click the link below the appropriate description, and follow the prompts.

If you have any questions regarding prices or any information needed to complete an application, please feel free to call our offices for assistance at (682) 268-4077.

Credit human financing logo

650 to 850+

Credit Score

Credit Human is our preferred lender and a not-for-profit, 100% member-owned, and member-governed federal credit union serving members across the United States. Plans include Same-as-Cash (No Payments), Same-as-Cash (With Payments), and Installment Loans from 5 Years to 15 Years.

600 to 800+

Credit Score

Foundation Finance is a nationally licensed lender for customers with fair to excellent credit. They have a “one-size-fits-all” solution with simple interest fixed rates plans, 0 money down and the lowest monthly payments. We recommend applying with them if your credit is between 600 to 800+.

690 to 800+

Credit Score

First Financial is a local licensed lender and for customers with excellent credit. They have local brick-and-mortar branches and offer over 20 different programs to suit your needs. We recommend applying with them if you have excellent credit and want a short term, 0% option.

600 to 700+

Credit Score

Service Finance is a nationally licensed lender for customers with fair to good credit. They offer over 50 different programs to fit your needs. We recommend applying with them if you have good to excellent credit.

Chowder financing company logo

320 to 620

Credit Score

Chowder Financial offers the lowest payments in the industry for credit challenged homeowners for your new A/C system or repair. Payments are as low as ½ of other competitors. Fill out a quick application and see how much you can save on your monthly payment. You will not be turned down due to your credit score!

Breeze financing logo

400 to 620

Credit Score

Breeze Lease Purchase is a certified lease-purchase solutions provider for consumers with poor to bad credit. This is a lender that does not require a credit check. Use this option if your credit is a 620 or below.

Emergency AC HVAC technicians

Heating & Air Financing Questions

How do I choose the best AC financing option?

The best option depends on your preferences, financial situation, and home improvement goals. You should compare options based on their interest rates, repayment terms, monthly payments, fees, and eligibility requirements.

You can use our free online AC estimate to gauge how much a new unit would cost you.

Can I finance an air conditioning system if I have bad credit?

You can finance an HVAC system if you have bad credit. We work with several financing platforms with a wide range of credit scores.

What type of systems can I finance?

You can finance any system that suits your needs and budget, such as central air conditioning, ductless mini splits, heat pumps, furnaces, boilers, or hybrid systems.