Project Financing · On Approved Credit
$0 Down.
0% Interest.
New System Today.
A broken AC in July, a failed furnace in January, or a system that has just had enough. We get it. That is why we offer $0 down, 0% interest financing on qualifying systems, so you do not have to choose between comfort and your bank account.
- Soft credit check to start, no impact on your score
- Approval decisions in minutes
- 0% APR plans up to 24 months on qualifying systems
- Longer-term plans available with low fixed rates
- Same-day install on most approved jobs
How It Works
Three Steps to a New System.
Quick, transparent, and built for real-world budgets. No surprise fees, no fine print games.
Soft Credit Check
Fill out a quick application during your estimate. Soft inquiry, no impact to your credit just for checking.
Decision in Real Time
Approval and terms come back fast so you can make a decision the same day, not next week.
We Get To Work
Most approved jobs get installed the same day or next morning. Cold air, fast.
Why Finance With Us
Real Financing, No Games.
No Down Payment
$0 to start on qualifying systems. The same install, with no upfront hit.
0% Interest
Up to 24 months at 0% APR on qualifying plans. Pay only what the system actually costs.
Fast, Soft Pull
Soft credit check to see your options. No impact to your score just for checking.
Transparent Terms
You see the rate, the payment, and the total before you sign. No surprises, ever.
FAQ
Financing Questions, Answered.
Is the credit check really soft?
Yes. The initial application uses a soft pull, which lets us show you your options without affecting your credit score. A hard pull only happens if you decide to move forward with a specific lender and plan.
What does "qualifying systems" mean?
Most full system installs and equipment replacements qualify. Smaller repairs and parts may not. We confirm whether your project qualifies during the free estimate, before you commit to anything.
What if I have less-than-perfect credit?
Approval programs exist for a wide range of credit profiles. The 0% APR plans are reserved for qualified buyers, but longer-term, low fixed-rate plans are available too. We work with multiple lenders so you have real options.
How fast can you install after approval?
Most approved jobs get installed the same day or the next morning, depending on equipment availability and the size of the install. We work fast because the heat does not wait.
Are there any fees or prepayment penalties?
No prepayment penalties on the 0% APR plans. Any administrative fees are disclosed up front in the lender's terms. We make sure you see the full picture before you sign.
Do you finance commercial HVAC work?
Yes. Light commercial financing is available on qualifying projects. Give us a call to talk through your project and we will line up the right financing option.
Start My Application
Free Estimate & Financing
Tell us about your project. We will get back to you fast with an estimate and walk you through your financing options. Soft credit check only, no impact to your score.