StayCool Financing

Big Comfort. More Ways To Pay.

Explore payment options for your new AC or heating system.

Subject to credit approval. Terms vary by lender and plan.

Why Choose StayCool Financing?

We partner with trusted lenders to offer competitive rates and flexible terms that make comfort affordable for every family.

Soft Credit Pull Only

Pre-qualification won't impact your credit score - check your options risk-free.

Instant Approval

Get approved in minutes online. Installation can start same day as approval.

Flexible Terms

Choose from 0% APR short-term or extended payment plans up to 120 months.

Competitive Rates

Multiple lender partners ensure you get the best rates available for your credit profile.

Choose Your Financing Plan

From interest-free short-term plans to extended low-payment options, we have a solution that fits your budget.

0% Interest
Plans

For 12–18 months (OAC)

Get comfortable now and spread out the cost with a promotional financing plan.

No interest if paid in full within the promotional period
Convenient online application
Review your payment options before you decide

A smart fit if you plan to pay off your balance during the promotional period.

Extended
Payment Plans

Up to 120 months (OAC)

Upgrade your home comfort while keeping more room in your monthly budget.

Spread the cost over a longer term
Explore monthly payment options
Get a personalized system estimate

More flexibility to choose the comfort system that fits your home.

Cash Discount

Ask about current savings

Ready to pay upfront? Ask how much you could save on your new comfort system.

See your cash price upfront
Compare cash and financing options
Get a personalized installation estimate

A straightforward way to explore savings when financing is not needed.

Financing is subject to credit approval. Promotional terms, rates, and availability vary by lender and plan.

Apply for Financing Today

Explore our financing partners below. Available terms, approval requirements, and credit checks vary by provider.

GoodLeap

America's leading provider of sustainable home financing with fast approvals and competitive rates.

Quick online application
Multiple term options available
Excellent customer service

Apply with GoodLeap

Optimus Financing

Flexible financing solutions with personalized terms designed to fit your specific needs and budget.

Personalized payment plans
Extended term options
Dedicated support team

Apply with Optimus

Chowder Financial

Explore financing for your HVAC project through Chowder Financial using StayCool's application link.

Accepts credit scores as low as 450
Flexible Term Offers
Predictable Monthly Payments
Paperless Process

Financing is subject to approval and the provider's applicable terms. Review current offers and credit-check requirements before applying.

Apply with Chowder Financial

All financing options are subject to approval. Terms and conditions apply. Confirm credit-check requirements and available offers with your selected provider before applying.

Lower than a comparable
written quote^*

Apples-to-Apples Price Match Guarantee

Same Scope.Better Price.

Bring us a competitor’s written quote. We’ll beat a comparable price by 7%.*

Share your quote
Bring us the competitor’s written estimate.
Compare the details
We compare the work, equipment and warranty.
Save 7%
We beat the qualifying quote by 7%.

Request a price comparison

* Price match guarantee applies to written quotes for comparable work scope, equipment, and warranty terms. Cannot be combined with other offers. Some restrictions may apply.

Questions About Financing?

Let’s talk through available payment options for your comfort project.

Call (210) 985-8048