Affordable HVAC Financing in Dallas, No Matter Your Credit

Low monthly payments. Quick approval, no surprises.

Get A New HVAC System with monthly payments you can afford

Options are available for those with less-than-fair credit scores. Enjoy a comfortable home climate without breaking your budget.

Apply For Financing

Easy HVAC Financing For Your Heating & Cooling Needs in Dallas

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Quick & Secure

Fast online application process

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All Credit Scores

Financing options for less-than-fair credit

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Flexible Plans

Find a payment plan that works for you

Our HVAC Financing Partners

320 to 620+

Credit Score

Apply Here

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!

550+

Credit Score

Apply Here

Foundation Finance is a nationally recognized lender offering many lending solutions to its customers. From simple interest fixed plans to low monthly payments, this is a great option for customers with a score between 600 – 800S.

550+

Credit Score

Apply Here

Breeze Lease Purchase is a financial institution that helps homeowners get a repair or replacement, no matter their credit situation. Whether you have less-than-fair credit or no credit, our financial partner can help you get your system repaired or replaced in no time.

500 to 800+

Credit Score

Apply Here

Service Finance is a nationally licensed lender for customers with fair to good credit. We recommend applying with them if your credit falls within this range.

Frequently Asked Questions

Will applying for financing hurt my credit?

Most of our financing partners perform a soft credit check for initial pre-approval, which won’t impact your credit score. A hard credit inquiry may occur only after you choose to proceed with a full application.

What if I’ve been denied financing before?

Don’t worry — we work with multiple partners who specialize in helping homeowners with less-than-perfect credit. Many of our customers who were denied elsewhere have been approved through our options.

How fast can I get approved and install my system?

Many of our customers are approved the same day they apply. Once approved, we’ll schedule your HVAC installation right away — often within 24 to 48 hours.

What types of HVAC systems can I finance?

You can finance almost any new HVAC system we install, including central air units, heat pumps, ductless mini-splits, and more. We’ll help you find the right fit for your home and budget.

What Your Neighbors Are Saying

    
 
 
       Posted on Google  
   
   Ron Obee 
 
 
 
 Trustindex verifies that the original source of the review is Google. The process was great.  The inital visit and meeting was with Steve, whom we found very informative and knowable.   We recevied a quote and agreed to purchase the 3 Ton Lennox  HVAC option.
The installer was Christian,  who did a very professional install.  He removed the old equpment,  and installed the Lennox equipment.   Post installation, he perfomed the system checkout,  and the equipment is performing well.

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      Posted on Google  
   
   Paul Little 
 
 
 
 Trustindex verifies that the original source of the review is Google. Job well done.
  
 
      Posted on Google  
   
   Zena 
 
 
 
 Trustindex verifies that the original source of the review is Google. I chose the company based off my conversations with one employee. He was extremely helpful and very knowledgeable. The installers were extremely respectful of our home and took measures to keep it clean during the job. Overall a smooth experience with zero complaints (shocker!!!!) Highly recommend Tanner and the team!!!!
  
 
      Posted on Google  
   
   janet mackay 
 
 
 
 Trustindex verifies that the original source of the review is Google. Newly installed A:C unit was too loud when starting the cycle .  Technician acknowledged and assessed the problem and professionally fixed the variable speed unit.
  
 
      Posted on Google  
   
   John Pitre 
 
 
 
 Trustindex verifies that the original source of the review is Google. I recently had both of my HVAC systems replaced by Air Motions.  After taking 7 bids on the job I decided to go with Air Motions because of the no-nonsense approach that Steve took in pricing, and his expertise in recommending system sizing and features that would work best for my needs.  They had me scheduled for an install within 2 business days of my approval to move forward with the work.
On installation day a crew of 2 was sent to do the work.  Brian, the lead on the crew was great!  He went out of his was to ensure the pre-existing issues in old configuration were corrected while installing the new system.  Both he and his assistant Rico worked diligently for 13+ hours (with no lunch break) to ensure the job was completed, and done right, by the end of the day.  I was very happy with the entire experience from bid through job completion.  I will be recommending Air Motions to my family and friends when they are considering system replacement.

My only critique would be that the amount of work in replacing 2 entire residential HVAC systems is too much work for a two man crew.  While the installation team stayed focused and very professional throughout the job I could tell they were getting a bit frustrated in the later hours of the night.  Even though they worked through their lunch break they did not finish until after 10 pm.  Perhaps an extra assistant for even a few hours may have allowed them to finish their day in a reasonable amount of time.
  
 
      Posted on Google  
   
   West Vickery Church of Christ 
 
 
 
 Trustindex verifies that the original source of the review is Google. Justin  was prompt, knowledgeable and professional.
  
 
  
  
 
 
      Verified by Trustindex  Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more