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No Credit Needed HVAC Air Conditioning Financing
At checkout, under payment options, click No Credit Needed option to qualify
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
At checkout, under payment options, click No Credit Needed option to qualify
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.
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.
Don't wait, find out how much you qualify for right now with ZERO impact on your credit score!
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
Payoff your new central air conditioning over 12-96 months and get a flexible payment schedule timed to your payroll dates.
AFFORDABILITY
Save big with our 6-12 month express pay options. With the early payoff savings option, payoff your no credit needed HVAC purchase and save on the total lease purchase.
FLEXIBILITY
Payoff over 12 months or more and get a flexible payment schedule timed to your payroll dates.
More Information
The Express Pay Options are very flexible options. 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 payoff.
We also offer significant discounts for early payoffs after the 9 months but prior to the end of the contract.
Here’s what To do Next:
1. Choose Your Heating and Cooling Equipment
Browse our website and select the best HVAC system for your home and budget and add it to cart.
2. Start Checkout
Click the “No credit needed” payment option once in your shopping cart or call our air conditioning and heating agents if you need assistance.
3. Complete Your Agreement
We’ll provide a lease agreement of 12 months or longer (up to 96 months) for you to review and sign.
4. Set Up Lease Payments
Make the first payment and choose a flexible schedule based on how often you get paid.
At checkout, under payment options, click No Credit Needed option to qualify
Replace your air conditioning and heating system with no credit needed and enjoy the comfort you deserve!
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 or a less than perfect credit history.