Easy Financing for HVAC Installations

We’ve partnered with several trusted lenders to offer flexible financing options to our customers.

Need Financing?
We Can Help.

Updating your HVAC system is a big investment, but it doesn’t have to be stressful. That’s why we offer flexible financing through several trusted lending partners, making it easier to enjoy a comfortable, energy-efficient home.

Why Finance with Gault?

Affordable payments
Fast application processing
Multiple financing options
Peace of mind

Apply Online

Prequalify for Financing with Regions

Choose the plan that fits your project and see if you prequalify online.

9-Month Same-As-Cash Loan

*Credit and loans provided by Regions Bank, Member FDIC, (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 19.99% fixed APR (provided however, APR will not exceed 15.99% for residents of New Jersey and 17.99% for residents of Florida and Wisconsin), effective as of October 2026, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Interest waived if repaid in 270 days from first disbursement. When open line period ends, the balance becomes a fixed rate installment loan; repayment terms vary from 21 to 129 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 270 days after first disbursement. If no payments made during same-as-cash period and APR of 19.99%, monthly payments vary from $21.32 to $29.66 per $1,000 borrowed depending on term. The minimum monthly payment will be no less than $50.00.

9.99% APR 10-Yr Loan

Prequalify with Regions: 9.99% APR 10-year loan. Start my project today (opens in a new tab)

*Credit and loans provided by Regions Bank, Member FDIC, (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 9.99% fixed APR, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Open line period payments due 90 days after origination and monthly thereafter during open line period. When open line period ends, the balance becomes a fixed rate installment loan; repayment term is 120 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 30 days from the end of the open line period. 120 monthly payments of $13.49 per $1,000 borrowed. The minimum monthly payment will be no less than $50.00.

11.99% APR Up To 12-Yr Loan

Prequalify with Regions: 11.99% APR loan, up to 12 years. Start my project today (opens in a new tab)

*Credit and loans provided by Regions Bank, Member FDIC, (650 S. Main St., Suite 1000, Salt Lake City, UT 84101) on approved credit, for a limited time. 11.99% fixed APR, subject to change. Minimum loan amounts apply. Interest starts accruing when funds are disbursed. Open line period payments due 90 days after origination and monthly thereafter during open line period. When open line period ends, the balance becomes a fixed rate installment loan; repayment terms vary from 12 to 144 months. Actual loan term may be shorter if less than the full approved amount of credit is used. First monthly loan payment due 30 days from the end of the open line period. Monthly payments vary from $13.42 to $32.96 per $1,000 borrowed depending on term. The minimum monthly payment will be no less than $50.00.

Financing with Chowder Financial

No credit or low credit? You still have options. Chowder Financial's lease-to-own program is built for homeowners with no credit or less-than-perfect credit, so you can get the HVAC system you need now and pay over time.

High Approval Rate: With an 86% approval rate, more homeowners can get the financing they need.
Flexible Payment Options: We offer solutions designed to work with a wide range of budgets.
Quick and Easy Application: Our streamlined process gets you an instant decision.
Support Every Step of the Way: We're here to help you throughout the entire process.

Apply Online

Financing FAQ

How do I make payments on my financed HVAC system?

Payments are made directly to the lender you finance through. Payment methods vary by lender, so check your loan agreement or your lender’s website for details.

Is financing available for emergency repairs?

Financing is available for both planned upgrades and emergency repairs that require equipment replacement. Small repairs and parts replacements are not eligible for financing at this time.

Can I finance both heating and cooling systems?

Yes, you can finance both heating and cooling systems, including furnaces, air conditioners, and other HVAC components.