UPGRADE NOW, PAY OVER TIME
How It Works
No Credit Check. Immediate Approval. Affordable Monthly Payments.
Purchasing a new HVAC system is easier than ever. Get the comfort you need now with no credit check, low monthly payments, and a simple lease-to-own program — just make your first payment to get started.
Bad credit? No credit? No problem.
Apply online in minutes, no paperwork required.
Terms up to 96 months for flexible, budget-friendly payments.
Get approved and ready to install in one day.
No upfront cost required—just make your first month’s payment and enjoy instant comfort.
It’s a lease-to-own program that helps you get a new HVAC system with no credit check, and low monthly payments. It’s fast, simple, and built for homeowners who want affordable comfort now. Ownership rights are not acquired until the HVAC system is paid for a specified number of payment periods. Learn More about Chowder
Nope. No credit? Bad credit? No problem. Our approval process doesn’t rely on your credit score.
Most homeowners are approved within minutes. The entire application is online — no paperwork or documents required.
Terms range up to 96 months, giving you the flexibility to choose a plan that fits your budget.
Yes! You’ll have attractive early purchase options at 12 months — helping you save big if you want to pay off early.
No — you just need a card in your name for the first payment and auto-pay setup at your option.
As soon as your first payment is processed, you’re ready to install — sometimes same-day!
