Denver HVAC Contractor UniColorado

HVAC Financing Options

We’re proud to offer a variety of HVAC financing options to our customers.

RENU HVAC Financing

RENU Colorado

Best for long term financing

RENU Financing is a low-cost financing option offered through the Colorado Energy Office that allows homeowners to pay over time for new HVAC projects.



Best for personalized offers

Wisetack provides consumers with affordable financing options through an online pre-qualification process.

To see what plans you may qualify for, you need to go through pre-qualification which does not require a hard credit check.


Wells Fargo Home Projects

This option is no longer available.


Synchrony Consumer Financing

Best for Synchrony customers

We are happy to offer financing through Synchrony. Synchrony offers special plans for Mitsubishi Electric purchases detailed below as well as financing to all consumers.


Acorn Finance

Best for shopping offers from multiple third-party lenders

Acorn allows you to compare monthly payment options from multiple lenders. You can pre-qualify using the link below without a hard credit inquiry.

Please note: by submitting a pre-qualification for Acorn, you may be subject to solicitation from lenders.
For more information, contact us.

What is HVAC Financing?

HVAC financing is a type of loan that is used to pay for the cost of heating, ventilation, and air conditioning (HVAC) equipment and installation. These loans can be used to purchase and install new HVAC systems, replace old or outdated systems, or make energy-efficient upgrades to existing systems.

HVAC financing can be obtained through various sources, including banks, credit unions, and specialized HVAC financing companies. The terms of these loans vary depending on the lender and the amount borrowed, but they typically require a credit check.

HVAC Financing - UniColorado Heating & Cooling

HVAC Financing FAQ

Can you finance a HVAC system?

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.

What credit score do you need for HVAC financing?

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.

How do people afford to replace HVAC?

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.

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