Home HVAC unit purchased with bad credit financing.

HVAC Financing

If you need HVAC financing, we may be able to help, even if you have bad credit. Take a minute and get a free, no obligation cash offer for the money that you need to buy your HVAC system.

First, how much money do you expect to spend?

New home AC system.

Benefits Of A Cash Loan

You might think that it would be best to look for HVAC financing from a vendor, but this poses certain challenges.

Difficulty Getting Approved

For starters, it can be difficult to get approved for vendor financing. This is because most work with a single credit company and they often have qualifications that are difficult to meet. If you have bad credit, you are probably not going to get approved.

Online lenders are used to working with bad credit, and some of the lenders in our group even specialize in bad credit. That means that you may be able to get a yes, even if you have been turned down before.

Lack Of Choices

When you are locked down with financing from one vendor, you are pretty much at their mercy. You have to shop the brands they carry and you have little negotiation power because you need their financing.

With an online loan, you can shop any HVAC company that you like because you will be a cash buyer. That means that you have the ability to get the system that you want and the tools that you need to negotiate prices with multiple companies.


When you apply for financing from a contractor, you will not be able to just get an approval. You will first have to sit through a lengthy estimate process which can take hours, when all you want to know is if you can get approved for HVAC financing with bad credit.

With an online loan, you can fill out your quote form and get an answer in minutes. Save time and the inconvenience by getting your HVAC loan online.

Get Your HVAC Financing

Obviously, there are a number of advantages to going online for HVAC financing, especially if you have bad credit. So, let’s get you that offer.

Complete The Form

The first step is to fill out the quote form located at the top of the page. Begin by carefully selecting how much you expect to spend, being careful because this is a cash loan. Remember, you can ask for more money that you need for just an HVAC system. Once you have a good number enter in some basic information about yourself, how you make money and where you want your loan proceeds sent.

Submit Your Form

Next, submit your form and get an answer. If approved for HVAC financing, one lender from the group will make you an offer and you will be sent to their website to review the details. Make sure that you take the time to thoroughly read your loan documents so that you can make an informed decision.

Get Your Money

If you decide to accept your offer, the lender will get you money just as soon as they can. That may be as early as the next business day. Once the money hits your account, you can immediately start shopping for your new HVAC system.

Caring For Your New HVAC System

Once you have your home improvement financing wrapped up, it is time to buy your new system and then think about maintaining it. Here are some tips to help you do that.

Maintaining Your HVAC

One of the most important things when it comes to keeping your central air conditioner running smoothly is routine maintenance. Central air conditioning units, just like any other appliance, need to be checked and maintained on a regular basis in order to keep them in top shape. Maintaining your central air conditioning unit can help you avoid costly repairs and extend the life of your unit.

Here are some things you need to do in order to maintain your system.

  • Schedule an annual check-up with a qualified technician.
  • Clean or replace filters regularly.
  • Keep outdoor condenser coils free from debris
  • Be wary refrigerant leaks signified by changes in performance.

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