At Dave's Cooling & Heating, we understand that in many cases you were not planning on a major repair need or equipment replacement for your home. Because of this, we are pleased to be able to offer you special financing programs to make this process a little easier to handle. Whether you are facing a repair cost or replacement costs, we can help you with the financing options we have with approved credit.

Should you finance your new HVAC unit? We think that depends on your circumstances and the options available to you. That’s why we are pleased to offer several financing options to meet your needs. When deciding if financing is right for you, we suggest that you consider the following factors.

  1. Your current expenses – financing will require you to add a monthly payment to your current expenses. In the same vein, having a new HVAC system that is operating at its prime capabilities, you are likely to see a reduction in your utility bills, therefore making the bottom line a bit less.
  2. The current season – if it’s the middle on winter and your heater completely shuts down, you’ll likely need to replace for more than just comfort. Not having a functional heating system can threaten the livelihood and health of everyone in the house.
  3. Get the best offer – consider your financing options and get the best rate out there. Be sure to explore the interest rates and any down payments necessary to get the best deal.

Service Finance Logo

Service Finance Company, LLC  has an easy online application and offers home improvement financing for HVAC and other projects. They are a nationally licensed sales finance company and are an approved FHA Title I Lender. Apply Online

Synchrony Logo

Synchrony Financial has an easy online application process that gives fast credit decisions and a 70% application approval rate. They do not have any prepayment penalties and offer competitive interest rates. Apply Online

Foundation Finance Company Logo

Foundation Finance Company offers a variety of flexible, unsecured loan programs to meet your needs. At Foundation Finance, they offer a full-service consumer financing program for prime, near-prime or subprime customers. They have a program for just about all credit ratings including second-chance financing.  Apply Online

Atwood Rentals HVAC financing (1)

Atwood Rentals HVAC will approve you for up to $7,500 if you can say yes to owning your home, have a job of at least six months, have a checking account with a positive balance, and can make an initial contrast cost reduction, aka down payment, along with other criteria. You can have poor credit, and they offer flexible payment plans. Apply Online