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Financing That Works for You
Big repairs can be stressful—financing makes the path forward easier.
Home repairs can be unexpected—and sometimes overwhelming. That’s why we offer flexible financing options designed to make essential services accessible for every homeowner. With simple approvals and budget-friendly payments, we help you get the work done without the financial stress.
Goodleap Financing – Get Pre-Qualified
Your path to comfort—made simple.
Fill out our quick pre-qualification form
No hard credit pull, and you’ll know your options in minutes.
Receive your in-home estimate or diagnostic
Our licensed technicians will assess your needs and present options.
Choose your plan and upgrade your comfort
Approve your project and enjoy a more comfortable, energy-efficient home.
Options for Bad Credit Through Chowder Financial
Comfort now, payments later.
Credit Score: 320 – 620
Chowder Financial offers the lowest payments in the industry for credit-challenged homeowners for your new A/C system or repair. Payments are as low as half of those of our competitors. Fill out a quick application and see how much you can save on your monthly payment. You will not be turned down due to your credit score!
Upgrade with Financing that fits your budget
Handle major projects—pay over time.
- 0% interest + no payments for 12 months
- Easy application process and customer dashboard
- No impact on credit for loan pre-approval
- 9.99% interest for 15 years
- 29.49% interest rate begins after promotion period
- No pre-payment or cancellation fees
These loan terms are not guaranteed and are subject to our verification and review process. Applicants may be asked to provide additional documents to enable us to verify their income and their identity. For loans that charge interest, this rate includes an Autopay APR reduction of 0.5%. By enrolling in Autopay, borrowers' payments will be automatically deducted from their bank account. Selecting Autopay is optional. If you are eligible for credit union membership, you may be required to join a credit union to receive the APR shown. Subsequent charges and fees may increase the cost of the loan. There is no fee or penalty for repaying a loan early. For more information, applicants should refer to the applicable Borrower Agreement and TILA Disclosure.
Loans may be disbursed in one or more advances. These loan terms are estimates based on the assumption that the loan is disbursed in a single advance upon execution of the Borrower Agreement. Actual loan terms may vary depending on, among other things, the exact number of advances, the amount of each advance, and the date on which each advance will occur.
¹For example, under this promotional plan (i.e., no payments required and no interest charges for a 12 months promotional period), if a borrower receives a $10,000 loan with a 10-year term and a 29.49% Annual Percentage Rate (APR) and the loan is disbursed in 2 advances (20% on Day 1 and 80% on Day 90), the borrower will have a required monthly payment of $259.86 after the promotional period ends.
Have Questions About Financing?
We’re happy to help. Whether you’re exploring your options or ready to get started, our team is here to walk you through the process without pressure and always with your best interests in mind.
