Financing for Residential HVAC

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Call Today For Service:

(682) 268-4077

Fort Worth

(713) 853-9253

Houston

(512) 953-2193

Austin

HVAC Financing

Financing your new air conditioning and heating system online should be easy. That’s why we have included several of our most popular options below. Each of the following lenders offers different programs for different credit ranges.

We offer financing for as little as 0% APR (with approved credit), and deferred payments and have options for less-than-perfect credit scores.

Simply choose an option that best suits your credit profile, click the link below the appropriate description, and follow the prompts. If you have any questions regarding prices or any information needed to complete an application, please feel free to call our offices for assistance at (682) 284-0436.

Credit Human

Credit Score : 650 - 850+

Credit Human is our preferred lender and a not-for-profit, 100% member-owned, and member-governed federal credit union serving members across the United States.

Plans include

Same-as-Cash (No Payments)
Same-as-Cash (With Payments)
Installment Loans from 5 Years to 15 Years‍‍

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Foundation Finance

Credit Score : 600 - 800+

Foundation Finance is a nationally licensed lender for customers with fair to excellent credit. They have a “one-size-fits-all” solution with simple interest fixed rates plans, 0 money down and the lowest monthly payments. We recommend applying with them if your credit is between 600 to 800+.‍‍

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First Financial

Credit Score : 650 - 850+

First Financial is a local licensed lender and for customers with excellent credit. They have local brick-and-mortar branches and offer over 20 different programs to suit your needs. We recommend applying with them if you have excellent credit and want a short term, 0% option.

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Service Finance

Credit Score : 600 - 700+

Service Finance is a nationally licensed lender for customers with fair to good credit. They offer over 50 different programs to fit your needs. We recommend applying with them if you have good to excellent credit.

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Chowder

Credit Score : 320 - 620

Chowder Financial offers the lowest payments in the industry for credit challenged homeowners for your new A/C system or repair. Payments are as low as ½ of other competitors. Fill out a quick application and see how much you can save on your monthly payment. You will not be turned down due to your credit score!

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Breeze

Credit Score : 400 - 620

Breeze Lease Purchase is a certified lease-purchase solutions provider for consumers with poor to bad credit. This is a lender that does not require a credit check. Use this option if your credit is a 620 or below.

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Frequently Asked Questions

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How do I choose the best AC financing option?

To choose the best AC financing option, look for low interest rates, manageable monthly payments, and a suitable loan term. Check for promotional offers, such as 0% interest or rebates, and ensure the option fits your credit score and budget. Also, watch for any hidden fees and consider if warranties or maintenance are included.

Can I finance an air conditioning system if I have bad credit?

Yes, you can still finance an air conditioning system with bad credit, though your options may be more limited. Some financing companies offer special financing programs for those with less-than-perfect credit, or you might consider using a secured loan or a co-signer to improve your chances. Just be prepared for higher interest rates and ensure the monthly payments fit your budget.

What type of systems can I finance?

You can finance systems like central AC, ductless mini-splits, heat pumps, furnaces, geothermal systems, and air purifiers. Most financing companies offer financing for these options to help spread the cost over time.

Your Texas Neighbors Say It Best

From beginning (estimate) to installation,(crew were expert in all areas). Being a past quality assurance evaluater I give them an excellent rating. Will recommend to others.

Luther W

I couldn’t be more happier with the service I received. My rent house AC went out late Thursday night and I called them Friday. They sent someone out to assess the situation, gave me an estimate which was a very fair price and it was installed the next day. Mind you, on a holiday weekend! The sales guy was very informative and polite. I will definitely recommend these guys to my friends and family!

Colby F

Came out on 9/4 at 3pm. Couldn’t get condenser to come on after working on install all day. Finally left after 10:30 with husbands urging to try the next day. They stated they would need to bring a new condenser. Came back 9/5 at 4pm left a little after 5pm with all systems running. 1st day didn’t give me any reassurance that we made the right choice. After today 9/5 visit all running. I feel somewhat better.

Rhonda L

The performance of my installation was at a very timely matter with quality work behind at 100% satisfied work was performed. Thk u Emergency Air.

Joel M

First off, I want to thank Todd from Emergency AC of Houston’s sales team. He made the whole stressful situation seamless. Shortly after Hurricane Beryl our AC went out. After calling around Houston for quotes we started to get discouraged over the price of a new unit and how soon we could get a system installed. This is where Todd came along. Emergency AC was our last call of the day, and it was worth it. Within a few hours Emergency AC arrived and gave us an amazing price for a full system replacement. Be sure to do your homework because a lot of companies will sell you most of the system without a furnace and charge you the same price for a complete system. Todd explained why companies do this and what sets Emergency AC apart. They also give you an unbeatable warranty with the system. After Todd came out and walked us through everything, we had an installation team at the house two days later. The installation team was quick and clean. They even installed the whole system in the rain! Thank you from the bottom of our hearts for such a seamless process. Will definitely be recommending them to everyone we know

Justin F

Mitchell was the absolute best HVAC technician! He arrived early, diagnosed the issue with the AC unit’s capacitor, and replaced the capacitor in 5 minutes. He even took the time to show me where the issue was and how to keep my unit clean for the future. I give Mitchell and his company a 10/10 review and would recommend them to my friends and family!

Aayush D

Our Process is Fast & Simple

STEP 1

Request an Estimate

Discover why so many homeowners trust Emergency AC with ALL of their Air Conditioning and Heating needs!

Thank you! Your submission has been received!

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STEP 2

On-site Evaluation + Estimate

We’ll visit your home or business to discuss your repair and/or installation to provide you with an accurate estimate and timeline for completion.

STEP 3

Job Prioritized and Scheduled

Based on your approval of the estimate we provide (and securing the financing you need), we will schedule the fastest available date to complete the requested work at your home or business.

STEP 4

Job Completed

Our technician arrives at your property ready to satisfy you with our professionalism, respectful attitude, and passion for delivering exceptional results. Upon completion, we will also explain our 2yr warranty.

Call Today For Service:

(682) 268-4077

Fort Worth

(713) 853-9253

Houston

(512) 953-2193

Austin