Say Goodbye to the Heat & Get Approved For A New HVAC Sytem Even With Low Credit! No Credit Check Required.

HVAC financing just got easier with Breeze Lease Purchase – the instant, flexible, and convenient way for your home improvement!

Breeze financing logo

Flexible Financing Solution For Your Home & Cooling Needs

At Emergency AC & Plumbing, we understand that financial challenges can affect anyone. If you have bad credit or trouble getting access to credit, don’t worry! Breeze Lease Purchase was created to help people like you.

A credit score is not the whole picture, but it doesn’t define you. If you need to replace a major home system but need some help doing so, we’ve got you covered. Our financing partners give value to homeowners with financing for home improvements. Whatever your situation, you can find a lease purchase solution that suits your needs. Their affordable options make it easy to reach your goals.

Large Approvals

Approvals are up to 15k and start at 8k.

Instant Approvals

No documentation required to get approved.

Approval Rates

Leading industry approval rates.

Credit Builder

Financing is reported to 2 credit bureaus.

Pay Options

3, 6, and 9 month Express Pay options offered for more savings.

How Do I Qualify For Low-Credit HVAC Financing?


No Non-Sufficient Funds


No Active Bankruptcy


Social Security or ITN #


Howeowner & Homestead

How Does The Application & Installation Process Work?

  • Customer Applies: Apply via our partner link.
  • You Install The Unit: Get a quote and we’ll notify you once it is ready to be installed.
  • You Get Paid: 100% of the invoice is paid within 48 hours of installation.
Emergency AC review by Shana Jabri
Emergency AC HVAC technicians

Frequently Asked Questions

How long are the terms of the loan?

The terms are for 48 months. After which, you become the owner of the equipment.

In addition, the Express Pay option provides customers to pay the loan back in 3, 6, or 9 months!

What percentage of people are generally approved?

We’re proud to boast that our financing partner approves about 70% of low-credit applicants for there new HVAC system.

Is the financing only for heating and cooling systems?

No! Aside from helping people get new air conditioining systems, this option can also be used for water treatment solutions or water haters – all things Emergency AC & Plumbing offers!

Is the approval process fast?
Yes! Because there is no-credit check, getting an approval for a new heating and cooling system is fast and instantaneous!

Remember all you need to have in order to qualify for this no-credit check HVAC financing opportunity is:

  • No Non-Sufficient Funds (NSF) in the last 90 days
  • No bankruptcies
  • Correct personal information
  • Either a valid Social Security or ITSN number
  • Be the homeowner for the new unit

Get Approved Today!

Less-than-fair credit? No problem! Apply now for a new HVAC system.

Around The Clock Availability

Whether you need us early in the morning or late in the evening, we’re here to help.

Satisfaction Guaranteed

We promise to only deliver the highest quality of service – no matter the size of the job.

Always on Time

We understand your time is valuable, that’s why we make sure to always be on time to serve you.

Emergency AC technicians

Don’t Take Our Word For It, Hear What Your Neighbors Have To Say

… professionalism, attention to detail, and value were of utmost importance. I would highly recommend them not only for their cost-to-value but for their exceptional customer service.

Google review from Colby Faupel

From beginning (estimate) to installation,(crew were expert in all areas). Being a past quality assurance evaluater I give them an excellent rating. Will recommend to others. 

facebook review from Luther Webster