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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

515 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.