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.

Whether you have excellent or less than optimal credit, Dave’s can help you choose the best financing option to meet your needs.  Dave’s often has financing specials not shown on the application site – call us with your approval code and we will negotiate the best terms for you.

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 offers an unsecured line of credit with offers that fit anyone’s monthly budget. Contact us for more details!” They do not have any prepayment penalties and offer competitive interest rates.



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