Your AC Doesn't Wait for Payday
A system that quits in July is not a problem you get to schedule around. In this valley it turns into a safety problem in a matter of hours — and the money almost never lines up on the same afternoon the compressor gives out.
Everybody deserves to stay cool in this heat, not just people with perfect credit and cash sitting in the bank. So we deliberately built out financing that starts at a 500 credit score and goes up from there, with real 0% interest options and terms long enough to keep the payment reasonable.
One thing that does not change: we will still tell you the truth about what your system needs. If a repair buys you three more good years, that is what we will recommend, financing or not. This exists to make the right fix possible — not to talk you into a bigger one.
What You Can Qualify For
Two lanes, depending on what you need and how fast you want it gone. Most people compare both before they decide.
| Program | Amount | Term | Rate |
|---|---|---|---|
| 0% interest promotional | Up to $15,000 | 6 – 21 months | 0% during the promotional period |
| Standard installment | Up to $250,000 | 2 – 12 years | From 7.99% for qualified customers |
All programs are subject to qualification. Amounts, terms and rates are set by third-party lending partners, vary by applicant and can change.
Built for Real Credit
Scores From 500 Up
Bruised credit does not automatically disqualify you here. Programs begin at a 500 FICO score, and the options widen from there as your score climbs.
No Home Equity Needed
These are personal loan programs, not home equity loans. Nothing of yours is put up as collateral, and you do not need equity in the house to qualify.
A Soft Credit Check
Seeing your options is a soft credit check that does not affect your score. You compare real payments before you commit to anything.
Homes and Businesses
Residential and commercial work both qualify, which is why the ceiling runs all the way to $250,000.
Four Steps, No Guesswork
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1
Get Prequalified
A couple of minutes and a soft credit check that does not affect your score. You come out the other side with real numbers — amount, term and monthly payment — instead of a guess.
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2
Pick Your Plan
Compare the 0% promotional option against a longer term with a lower monthly payment. Nobody is standing over your shoulder while you decide, and picking a plan does not obligate you to a thing.
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3
We Do the Work
Full 20-point inspection with photos and video first, so you see exactly what you are paying for. Then the repair or the install — often the same day for a no-cool call.
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4
Pay It Down On Your Terms
Fixed monthly payments, no prepayment penalties. Pay it off early and you keep the interest you would have spent — which is the whole point of the 0% window.
Anything We Install or Repair
Full System Replacement
The big one, and the most common reason people finance. New condenser, air handler, thermostat and the ductwork corrections that make the new system actually perform.
AC ReplacementEmergency Repairs
A compressor or coil failure in July does not care what week of the month it is. Financing keeps a 115-degree afternoon from turning into a decision you regret.
Emergency AC RepairHeating & Heat Pumps
Furnace and heat pump replacement, including the swap to a heat pump that carries both sides of the year on one system.
Heat Pump ServicesDuctwork & Air Quality
Duct repair and replacement, filtration, purification and humidity control — the work that decides whether the equipment you paid for ever hits its rated efficiency.
Indoor Air QualityFinancing Questions
Will checking my options hurt my credit score?
No. Getting prequalified uses a soft credit check, which does not affect your credit score. You see real numbers first, and only a full application with the lender you choose involves a hard credit check.
What credit score do I need?
Programs start at a 500 FICO score and go up from there. A higher score generally means a lower rate and a longer list of options, but a 500 does not shut you out the way it does at most companies.
Do I need home equity or collateral?
No. These are personal loan programs, so there is no home equity requirement and nothing of yours is put up as collateral. Renters with the landlord’s go-ahead and homeowners with no equity can both use them.
How much can I finance?
Up to $250,000, with terms from 2 to 12 years. The 0% interest promotional programs run 6 to 21 months on amounts up to $15,000. Nearly every residential job lands well under those ceilings, and the higher end is there for commercial work.
What will my interest rate be?
Rates start at 7.99% for qualified customers. Your actual rate depends on your credit, your debt-to-income ratio, how much you borrow and how long a term you pick — which is exactly why it is worth checking your own numbers instead of guessing.
Can I pay it off early?
Yes. There are no prepayment penalties, so paying the balance down early simply saves you the remaining interest. That is what makes the 0% promotional programs worth a look if you can clear the balance inside the promo window.
How fast can the work start?
As soon as you are approved. Prequalifying takes a couple of minutes, and for a no-cool emergency we can often get the repair or replacement moving the same day.
Can a business use this?
Yes. We finance commercial work the same way we finance residential — rooftop units, splits, ductwork and full replacements for offices, restaurants, shops and small industrial buildings.
Get Approved in Minutes
Check your options before you need them. It takes a couple of minutes, it does not affect your credit score, and knowing your number ahead of time takes the panic out of the day your system quits.
(602) 512-1138All financing is subject to credit approval. Rates, terms, amounts and program availability are provided by third-party lending partners, vary by applicant and are subject to change. The 0% interest programs are promotional offers running 6 to 21 months on amounts up to $15,000 and require qualification. Rates starting at 7.99% are available to qualified customers; your rate depends on credit history, debt-to-income ratio, loan amount and term. Prequalification uses a soft credit check that does not affect your credit score; completing a full application with a lender may involve a hard credit check. The Chill Squad HVAC is not a lender and does not make credit decisions.