Yes. At CoolNow™, we believe everyone deserves comfort at home—regardless of credit history. That’s why we offer bad credit AC financing options based on homeownership and residency, not your credit score. There are no hard credit checks, and our approval process is fast and friendly.

With CoolNow™, you can replace your old HVAC system with $0 down and flexible monthly payments—no credit check required! Just fill out our quick 2-minutes application, get pre-approved instantly, and schedule your installation as soon as tomorrow.

Monthly payments vary depending on the system size, efficiency rating, applicant’s financial situation and length of the financing term. At CoolNow™, we structure your plan to be affordable with $0 down and flexible terms. Many customers pay less per month than their average electric bill savings after installation.

Nope! No credit check needed. We believe everyone deserves a cool, comfortable home, so we offer financing based on your homeownership and residency history—not your credit score.

None. CoolNow™ does not base approval on your credit score. We offer no credit check AC financing, making it easy for homeowners with poor or limited credit history to qualify.

In some cases, promotional 0% interest financing may be available based on your eligibility and system choice. Our team will walk you through all your options with total transparency so you know exactly what you’re paying for.

Super fast! Once you’re pre-approved, we can install your new system as soon as the next day. No long wait times, no hassle—just instant comfort.

Our flexible financing terms range from 12 to 60 months. We customize your term based on your budget, approval terms, and system selection. There are never penalties for early payoff.

Unfortunately, no. At this time, HVAC financing through CoolNow™ requires proof of homeownership, as installations are permanent fixtures. If you’re renting, talk to your landlord about contacting us for upgrade options.

Absolutely! We can finance full-system replacements, including ductwork if needed. During your consultation, we’ll assess your full HVAC needs and include any necessary duct repairs or upgrades in your financing plan.

No hidden fees, no surprises. We believe in 100% transparent pricing. You’ll know your monthly payment and total cost upfront—what you see is what you pay.

Property Assessed Clean Energy (PACE) financing is a simple and effective method for financing renewable energy, energy efficiency, water efficiency, seismic improvements, and electric vehicle charging stations for commercial and residential buildings. Property owners enter into a voluntary assessment to receive 100% project financing which is repaid as part of their property taxes for up to 30 years.