Payment options

Every way to pay for your system

AC Direct accepts every common way of paying for a system: credit card, PayPal, e-check, wire transfer, or over the phone with a person. If you would rather spread the cost, there are monthly payment plans too, including a no credit needed option and pay-over-time at checkout.

This page covers how to pay. If you want the programs themselves, what they cost, what credit they need and how much they approve, see HVAC financing.

See monthly payment plans Order by phone · 866-862-8922

Pay in full

Four ways to pay for the whole order at once.

Pay by Credit Card

We accept all major credit cards: VISA, MASTERCARD, DISCOVER, AMERICAN EXPRESS.

PayPal

Securely shop and pay online at the speed of want.You don’t have to enter card numbers or personal information to make an online payment. With just an email address and password, you can securely check out.

Pay by Phone

Simply call us toll-free at 1-866-862-8922. Your Personal Adviser will assist in completing your order. You can then pay using a major credit card or arrange payment via wire transfer or ACH.

Wire Transfer

Call us toll-free at 1-866-862-8922 and we will provide the wire instructions needed by your bank to complete a wire transfer payment of your order. Give these instructions to your bank along with the dollar amount of your order and the funds will be transferred within hours.

Monthly Payment Plans

You do not have to pay for a system in one go. Three routes let you buy an air conditioner or furnace on monthly payments, and the right one depends on your credit rather than on the equipment you choose.

No credit needed

An HVAC lease-to-own agreement with instant approvals up to $12,000 and payments from $99 a month for complete systems. Applying does not affect your credit score. Choose it at checkout, where it appears as Breeze.

An HVAC loan that covers installation too

Most payment plans cover the equipment and leave you to find the labor money separately. This HVAC loan covers both, and approvals start at a 550 credit score, with 0% APR offers for borrowers who qualify.

Buy now, pay later at checkout

Select Affirm as your payment method in the cart, see your terms before you commit, then pay a fixed amount each month. 0% APR financing is available on eligible purchases for qualified buyers.

All three are compared side by side, with the full terms and a table showing what each one costs and what credit it needs, on our air conditioner financing page.

Compare HVAC financing options Call 866-862-8922

Shop With No Credit Needed

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! Or add your favorite equipment to cart and choose no-credit-needed as your payment option. Learn more

Full requirements, terms and disclosures are on our no credit check HVAC financing page.

Start shopping with No Credit Needed How the program works

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

Financing

AC Direct offers financing via Affirm for the purchase of our products. Simply place the items in the shopping cart and select Affirm as a method of payment and you can apply for credit line.*

Two more financing programs are available. A no credit needed lease purchase, which appears as Breeze at checkout and approves instantly up to $12,000 with no credit check. And a project loan through Hearth, which covers the installation as well as the equipment and approves from a 550 credit score, with 0% APR offers for borrowers who qualify. Compare all three financing options.

If your credit is the obstacle rather than the budget, start with HVAC financing for bad credit, which covers what each program approves and what it needs from you.

Important disclosures

^*Rates from 0–36% 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. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license. For licenses and disclosures, see affirm.com/licenses. For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR or 4 interest free payments of $200 every 2 weeks.

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