Financing
HVAC financing for every credit situation
Good credit, bad credit, or no credit — pick the option that fits, apply in minutes, and checking your eligibility won't affect your score.
Flexible options designed for your budget
Choose payment option that fits
Compare flexible HVAC lease ownership options designed for your budget
No Credit Score Needed
Bad credit? No problem.
Lower Cost Over Time
0% APR if you qualify.
Not sure which option fits?
Call and a financing specialist will walk you through it in minutes.
How to apply for HVAC financing
Same four steps for either option
Choose your system
Browse AC units, heat pumps, or furnaces and add the system to your cart
Start checkout
Select the “No Credit Needed” option, or Affirm, as your payment method
Complete your agreement
Review and sign — a lease purchase for Breeze, terms shown upfront for Affirm.
Set up payments
Confirm your schedule, timed to your payroll dates, and make your first payment.
Comfort that fits your budget
No credit history needed
Important: This is a lease purchase, not a loan, which is exactly why it works when credit is the obstacle.
Three things, and you're good to apply:
Own your home
And be current on your mortgage
Steady income
Employed at least six months, or other monthly income
Open checking account
No NSFs in the last sixty days.
Not available in: Minnesota, New Jersey, Vermont, Wisconsin & Wyoming
0% APR financing available
Chosen as your payment method in the cart, with your terms shown before you commit.
How it works:
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.
Financing questions
Which financing option should I choose?
Affirm is the simplest if you have solid credit and want the lowest total cost — 0% APR offers are available to qualified buyers. 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?
The Breeze no credit needed application does not affect your credit score. Affirm runs an eligibility check when you select it at checkout.
I have been turned down for credit before. Do I have options?
Yes. 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?
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. 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.
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.
Still not sure which one is right for you?
Call and a financing specialist will walk you through it in minutes.
