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

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+.

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.

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.