Can I finance the installation, not just the equipment?

Yes, through Hearth. That is the main reason to use it rather than the other two: the loan amount can cover the system and the labor to install it, and the funds come to you so you choose your own installer.

No Credit Check HVAC Air Conditioning Financing

Finance your equipment + installation costs with Hearth

Get financing for your AC Direct equipment plus additional funds you can use to hire your own licensed HVAC installer. 0% APR offers available, and approvals from a 550 credit score.

AC Direct sells HVAC equipment only and does not provide installation services. You select, hire and pay your installer directly.

Apply now with Hearth See how it works →

2

Bad credit? No problem with Breeze

No credit needed, and applying does not affect your credit score. Instant approvals up to $12,000, with terms from 12 to 96 months timed to your payroll dates.

A lease purchase agreement rather than a loan, which is why it works when credit is the obstacle. Covers your AC Direct equipment; you arrange and pay your installer separately.

Not available in MN, NJ, VT, WI or WY.

Shop now, pay with Breeze See how it works →

3

0% APR financing with Affirm

Pay over time at checkout. 0% APR offers available to qualified buyers, with fixed monthly payments and no hidden fees. You see your terms before you commit.

Covers your AC Direct equipment; you arrange and pay your installer separately.

Shop now, pay with Affirm See how it works →

Option 1 · HearthMost popular

Finance the whole project, even though you hire the installer separately

Most online HVAC sellers finance the box and leave you to find the labor money separately. Hearth can fund both parts, it can reach 0% APR for qualified borrowers, and it does not need perfect credit to get an approval. You still choose and hire your own installer.

Finance the HVAC equipment purchased from AC Direct
Borrow additional funds for installation costs
Choose and hire your own qualified, licensed HVAC contractor
Funds are provided to you, and AC Direct does not perform or contract for installation
One financing option can help cover both expenses
0% APR offers available for qualified borrowers
Approvals from a 550 credit score, so damaged credit is not an automatic no
Checking your rate does not affect your credit score

Important: AC Direct is an HVAC equipment supplier and does not provide installation services. Hearth financing may allow you to borrow enough to cover both your AC Direct equipment purchase and the cost of an installer you hire independently.

Check your rate with Hearth Call 866-862-8922

Rates and terms are set by Hearth's lending partners and depend on your credit profile. 0% APR offers and approvals at a 550 score are available to borrowers who qualify, and are not guaranteed. Check your rate to see your actual offer.

Option 2 · Breeze

Bad credit or no credit? You can still get a system

This is a lease purchase, not a loan, which is exactly why it works when credit is the obstacle.

Instant approvals up to $12,000
Payments from $99 for complete systems
12 to 96 month terms, timed to your payroll dates
6 to 12 month early purchase option saves on the total
Applying does not affect your credit score

To qualify you need to

Own your home and current on your mortgage
Employed for at least six months, or other monthly income
Open checking account with no NSFs in the last sixty days

Shop and see if you qualify in checkout Call 866-862-8922

Not available in Minnesota, New Jersey, Vermont, Wisconsin or Wyoming.

Applying does NOT affect your credit score

Quick Online Application
HVAC Loan Program for Bad Credit – (Lease Purchase)
Build or Rebuild Your Credit with us
HVAC Lease-To-Own
No Credit Needed
Bad Credit OK
Instant Approvals up to $12,000
Payments from just $99 for complete systems
6-12 Month Early Purchase Option Savings

Don't wait, find out how much you qualify for right now!

Not available in the following states: Minnesota, New Jersey, Vermont, Wisconsin & Wyoming

Flexible HVAC Lease Ownership Options Designed for Your Budget

Wondering how this whole no-credit-needed thing works for your home heating and cooling system?

In a nutshell, shop now, pay later… lease your HVAC (heating, ventilation and air conditioning) purchase without credit and no impact to your credit score. Many homeowners also look into HVAC financing or AC financing when replacing their system, as it provides flexible ways to manage payments over time.

By making just your first lease payment, you can afford to shop all the top brand-name air conditioning and heating systems for your home, condo, investment property, or mobile home. Options such as AC unit financing and heating and cooling financing can also help make these upgrades more affordable.

Don't wait, find out how much you qualify for right now with ZERO impact on your credit score! Whether you're interested in a lease program or exploring new HVAC system financing, the process is designed to keep comfort within reach. If you have been denied credit before, you still qualify through no credit check financing and have easy access to the comfort you need.

Minimum Requirements

Own your home and current on your mortgage
Employed for at least six months or have other monthly income
Open checking account and no NSF’s for last sixty days

EZ-PAY

Pay off your new central air conditioning over 12–96 months and get a flexible payment schedule timed to your payroll dates. For those who prefer traditional lending options, HVAC loans and AC unit financing are also available. Some homeowners combine EZ-PAY with AC financing for even more budget flexibility.

AFFORDABILITY

Save big with our 6–12 month express pay options. With the early payoff savings option, pay off your no-credit-needed HVAC purchase and save on the total lease purchase. Customers often ask, “Can you finance a new HVAC system?” The answer is yes, options like HVAC financing bad credit, finance new HVAC system programs, and even no credit financing are available to fit a variety of situations.

FLEXIBILITY

Pay off over 12 months or more and get a flexible payment schedule timed to your payroll dates. Some customers prefer to finance air conditioning separately, while others look into air con finance or combined HVAC with financing packages for heating and cooling.

More Information

The Express Pay Options are very flexible. You do not have to select an option at the time you sign the lease. You choose the options based on your lease start date and when you would like to pay off.

We also offer significant discounts for early payoffs after the 9 months but prior to the end of the contract. These savings make financing new HVAC systems or considering new HVAC financing even more attractive for long-term affordability. For individuals searching for no credit check financing plans, these express options can be a smart alternative to standard loans.

Here’s what To do Next:

1. Choose Your Heating and Cooling EquipmentBrowse our website and select the best HVAC system for your home and budget and add it to cart. Whether you're exploring a lease or searching for the best way to finance a new HVAC system, you'll find options suited to your needs.
2. Start CheckoutClick the “No credit needed” payment option once in your shopping cart or call our air conditioning and heating agents if you need assistance. For those searching for no credit check HVAC financing near me or no credit check HVAC financing near me guaranteed approval, our programs are designed to help.
3. Complete Your AgreementWe'll provide a lease agreement of 12 months or longer (up to 96 months) for you to review and sign. Customers also often ask about how to finance heating and air conditioning, and our specialists are ready to explain every option, from leases to HVAC loans.
4. Set Up Lease PaymentsMake the first payment and choose a flexible schedule based on how often you get paid. Options like AC unit financing, HVAC with financing, and air con finance allow you to enjoy comfort now and spread out payments over time.

Replace your air conditioning and heating system with no credit needed and enjoy the comfort you deserve!

Whether you prefer a lease program, no credit financing, or structured heating and cooling financing, you'll find a solution that works.

Start shopping with No Credit Needed Call 866-862-8922

At checkout, under payment options, click No Credit Needed option to qualify

Option 3 · Affirm

0% APR financing available with Affirm

Chosen as your payment method in the cart, with your terms shown before you commit.

Choose Affirm as your payment method in the cart
See your terms before you commit, with no hidden fees
0% APR offers available on eligible purchases for qualified buyers
Fixed monthly payments, no compounding interest

Shop and select Affirm at checkout Call 866-862-8922

Rates from 0% to 36% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required.

Which one is right for you?

The honest comparison. There is no single best option, only the one that fits your situation.

	Hearth	Breeze	Affirm
Covers installation too	Yes	Equipment	Equipment
Credit needed	From 550	None needed	Good
Affects your score to apply	No	No	Eligibility check
Approval amount	As much as the project needs	Up to $12,000	Based on cart
Lowest possible cost	0% APR if you qualify	Lease purchase	0% APR if you qualify
Term	Fixed term	12 to 96 months	Fixed monthly
It is a	Loan	Lease purchase	Loan

Terms shown are the programs as published by each provider. Your actual offer depends on your application.

Financing questions

Which financing option should I choose?

If you need the installation covered as well as the equipment, Hearth is the one that does both, and it can reach 0% APR for qualified borrowers while still approving scores as low as 550. Affirm is the simplest if you are buying equipment only and have solid credit. If you have no credit history to speak of, or you have been declined before, the Breeze no credit needed program is built for exactly that.

Does applying hurt my credit score?

Checking your rate with Hearth does not affect your credit score. The Breeze no credit needed application does not affect your credit score either. Affirm runs an eligibility check when you select it at checkout.

Can Hearth financing help cover my installation costs?

Yes. Hearth financing may allow you to borrow enough to cover both your AC Direct equipment purchase and installation costs. You choose, hire and pay your own licensed HVAC installer. AC Direct does not provide or contract for installation services.

I have been turned down for credit before. Do I have options?

Yes, and in two ways. Hearth approves borrowers from a 550 credit score, so it is worth checking your rate first. Separately, the no credit needed program through Breeze is a lease purchase rather than a loan, so it does not depend on a credit score in the way a loan does. You need to own your home and be current on the mortgage, have been employed at least six months or have other monthly income, and have an open checking account with no NSFs in the last sixty days.

How much can I get approved for?

Hearth is the one to use when the number is large. It is sized to the project rather than to a single item, so it can cover the system and the installation together. Breeze approves instantly up to $12,000. Affirm depends on your purchase amount and the eligibility check at checkout.

Is the no credit needed program a loan?

No. It is a rental or lease purchase agreement, not a loan, credit or financing. No credit history is required, but information is obtained from consumer reporting agencies in connection with a lease application.

Important Information

About installation: AC Direct is an online HVAC equipment supplier. We do not perform, sell or contract for HVAC installation services. Installation must be arranged separately by the customer with a qualified, licensed HVAC professional. Financing through Hearth may provide funds that customers can use toward independently arranged installation costs.

The advertised service is a rental or lease purchase agreement. It is not a loan, credit, or financing. While no credit history is required, information is obtained from consumer reporting agencies in connection with a lease application. Acquiring ownership by leasing costs more than the cash price.

Not available in MN, NJ, VT, WI, or WY. Not all applicants are approved. See lease for details. "The No Credit Option" or “without Credit” means this is not a credit, loan, or financing transaction.

It does not mean or imply no inquiry will be made of credit history or creditworthiness. Multiple data points are considered in reviewing your application, and we regularly approve customers with no credit financing, no credit check financing, or even those needing HVAC financing bad credit solutions.

Financing through Hearth is provided by Hearth's lending partners. Rates and terms depend on your credit profile and are shown when you check your rate.

Affirm: rates from 0 to 36% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required.

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HVAC and Air Conditioning Financing, Including No Credit Needed