Wild Weekend Savings Event extended to Tuesday, October 14, 2025 9:00 AM est.
Free Shipping On Orders Over $1500
America's Leading Discount HVAC Supplier Since 2001 ...
and now, NASCAR Racing Sponsor
Ask an Expert
866 862 8922
Hours of Operation 8am - 8pm EST
11am - 8pm EST
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. 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 Equipment
Browse 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 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. 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 Agreement
We'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 Payments
Make 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.
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!
Whether you prefer a lease program, no credit financing, or structured heating and cooling financing, you'll find a solution that works.
Important Information
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.