Best for: Flexible Credit Review & Competitive Rates
FTL Finance looks beyond just your credit score they review your complete credit profile, including income and payment history. This means more homeowners get approved, even with less-than-perfect credit.
What You Get:
✅No minimum credit score requirement - complete profile review
✅Competitive APR rates (specific rates based on approval)*
✅Flexible payment terms up to 120 months
✅$0 down payment options available
✅Quick approval decisions (within 15 minutes during business hours)
✅No prepayment penalties - pay off early and save
This works if you have:
Fair to good or great credit, verifiable income/bank account, own the home where equipment will be installed, and are looking for traditional financing with competitive rates.
Best for: No Credit Check & Instant Approval
Breeze specializes in lease-to-own solutions for homeowners who can't access traditional financing. No credit check required and approval is based on your income and ability to make payments, not your credit score.
What You Get:
✅No credit check
✅Instant approval decisions (most approved in seconds)
✅Approval amounts: $8,000 to $15,000
✅Lease terms up to 48 months (4 years)
✅Monthly payments matched to your budget
✅Equipment is yours after final payment
✅Early payoff options with significant savings at 3, 6, and 9 months
✅On-time payments reported to credit bureaus (helps rebuild credit!)
This works if you have:
Credit challenges (any score or no credit history), past bankruptcy, foreclosure, or financial hardship, self-employed or non-traditional income, been denied by traditional lenders, and need guaranteed approval regardless of credit.
Start with FTL Finance if:
✅You want the lowest possible interest rate
✅You have some credit history (even if it's not perfect)
✅You prefer to own the equipment immediately
✅You have traditional employment or verifiable income
Start with Breeze if:
✅You've been denied for HVAC financing before
✅You have no credit history or credit below 600
✅You need guaranteed approval - no credit check
✅You're self-employed or have irregular income
✅You want to rebuild your credit with reported payments
Still not sure? Apply to both.
FTL's initial check doesn't hurt your credit score, and Breeze requires no credit check at all. We'll help you choose the best fit during your free consultation.
Step 1: Click the button above to get pre-approved (takes about 3 minutes)
Step 2: Schedule your free in-home consultation
Step 3: Choose your system (Good, Better, or Best options)
Step 4: Finalize your approval and pick your installation date
Step 5: Enjoy your new AC system installed this week with $0 down
We're happy to walk you through both options and help you choose the best fit.
Contact Us
(832) 992-6579
HVAC Services
System Replacements
CoolCalc Load Calculation
Air Purification
Air Design and Duct Installation

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