Guaranteed financing
Nobody gets
turned down.
Three tiers, from 0% for well-qualified buyers to an option that does not check your credit at all. Comfort should not depend on a score, so here it does not.
How this works
A heating and air system is one of the larger unplanned purchases a household makes, and it is almost never made at a convenient moment. The lender most contractors use approves the people who least needed the help and declines everyone else, which leaves families without heat for a winter.
We run three tiers instead, and we underwrite the third one on the strength of the application rather than a score. Find yourself below.
Find yourself here
Three tiers, and the third one is the point.
-
650 and above
Well-qualified buyers
Rates local banks generally cannot match, and the promotional plans that come with the better equipment lines.
- No payments at all for a full year — buy today, start paying next year
- 0% for up to 24 months
- 6.99% for up to 144 months
0% plans are tied to our Ultimate and Elite comfort options. Not every plan is available on every system — your Comfort Advisor will say which apply to yours.
-
500 to 650
Slightly challenged credit
This is the tier where a short conversation up front is worth real money. We look at debt-to-income alongside the score, and in most cases a standard term loan of up to 60 months is available.
The more we know before the application goes in, the better the terms tend to come back.
-
Any score
Turned down elsewhere
This is the one that separates us. If you have been declined by other contractors, we can still finance a new system for you, underwritten on the strength of your application rather than a credit score.
Two conditions, and they are the whole list: your name is on the deed of the home, and you are not currently in bankruptcy. A discharged bankruptcy is fine once you have been out from under it for 24 months.
What actually qualifies you
For the guaranteed tier, this is the complete list of requirements. There is nothing else underneath it.
Apply now- Your name is on the deed of the home
- You are not currently under a bankruptcy
- A discharged bankruptcy is fine after 24 months
- No minimum credit score
- No down payment required
- The application takes about ten minutes
Questions
About paying for it
Does applying for financing affect my credit?
The first two tiers run a credit check, which is a normal part of any loan application. The guaranteed tier is underwritten on the strength of the application rather than a score. Tell us up front what you are working with and we will start you in the right place rather than collecting a decline first.
Can I just pay cash?
Yes, and there is a discount for it. Card is fine too. Financing is an option, not a requirement.
Find out what you qualify for.
An application takes about ten minutes and does not commit you to anything. Cash and card discounts are available too if financing is not what you need.