HVAC Financing Options: Affordable Heating & Cooling Solutions in Texas

Credit Score: 650 – 850+

Credit Human

Credit Human is our preferred 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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Credit Score: 600 – 800+

Foundation Finance

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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Credit Score: 650 – 850+

First Financial

First Financial is a local licensed lender and for customer 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 option.

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Credit Score: 600 – 700+

Service Finance

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 a good to excellent credit.

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Credit Score: 320 – 620+

Chowder

Chowder Financial offers affordable payment options for homeowners who may not qualify for traditional financing when replacing or repairing their A/C system. Payments can be as low as half of other competitors, making comfort more accessible for credit-challenged customers. The quick application takes just a couple of minutes and allows you to see your payment options without impacting your credit score. Many customers who have been declined elsewhere still find this to be a great path forward for getting the system they need.

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Credit Score: 400 – 620+

Breeze

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 620 or below.

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Flexible Financing, Made Simple

We believe comfort should be affordable—no matter the season. That’s why Silver Spur offers easy financing options to help you get the HVAC or plumbing services you need without the upfront burden.

Whether you’re replacing an aging AC system, installing a new water heater, or handling a major repair, our financing pre-approval takes just minutes—with no hard credit check and zero obligation to commit. You’ll get real-time offers from multiple trusted lenders, so you can compare, choose, and move forward with confidence.

Use this calculator to estimate your monthly payment based on your project needs.
✅ No impact to your credit
✅ Multiple lender offers
✅ Fast, secure, and 100% online

Estimate Your Payment Now

Want help choosing the best financing plan? Give us a call – we’re happy to walk you through it because at Silver Spur, your comfort is our top priority.