Affordable HVAC Financing That Puts Comfort Within Reach

FinanceIt doesn’t publish a specific minimum credit score requirement, as approvals depend on your overall credit profile, income, and affordability. Generally, applicants with good to excellent credit are most likely to qualify for standard terms, while those with lower scores may still be considered through FinanceIt’s “Second-Look Advantage” program. They also offer a pre-qualification tool that lets customers check eligibility without affecting their credit score, making it easy to explore financing options before applying.

Most HVAC financing plans through FinanceIt offer repayment terms of up to 60 months (five years), with the flexibility to choose a shorter term if preferred. This allows homeowners to customize payments to fit their budget—whether they want lower monthly payments or to pay off their system faster.

Most FinanceIt HVAC financing plans do not require a down payment, allowing homeowners to get started without any upfront costs. However, if you prefer to make an initial payment to reduce your monthly installments or loan balance, you can choose to do so voluntarily. This flexibility helps tailor your financing plan to your comfort and budget.

Not at all. Once your FinanceIt application is approved, which typically happens within minutes, your installation can be scheduled right away. Financing doesn’t slow down the process; it simply allows you to enjoy your new heating or cooling system sooner while paying over time.