HVAC Financing Options

Yes, absolutely. We have a variety of financing providers that provide HVAC financing for all customers, including HVAC financing with bad credit or no credit.

The credit score needed for HVAC financing can vary depending on the lender and the specific loan product. Generally, a good credit score is considered to be above 650, but some lenders may approve applicants with lower scores. It’s also important to note that having a co-signer can help immensly in getting HVAC financing.

HVAC replacement cost can be a sticker shock to some homeowners, but as the equipment is supposed to last for decades, the pricing reflects the value and the comfort you get over the long years you’ll use the systems for. Most homeowners pay for HVAC equipment outright, however there are a variety of options to explore to pay for HVAC equipment:

1. Financing: UniColorado offers financing options with low or no interest rates, which can make it more affordable for people to replace their systems.

2. Home Equity Loan: Some people may use a home equity loan to finance an HVAC replacement. This type of loan uses the equity in a person’s home as collateral.

3. Personal loan: Some people may use a personal loan to finance an HVAC replacement. This type of loan may have a higher interest rate than a home equity loan, but it may still be a more affordable option than paying for the replacement outright.

4. Rebates: Some energy-efficient HVAC systems might qualify for a local and federal rebates, which can help offset the cost of replacement.