Denied HVAC Financing? Bad Credit Is No Problem!

We understand you are in a frustrating situation. You aren't able to get HVAC financing. Bad credit issues from the past keep haunting you. Your heating and air company is telling you they can't help you. But there is a new option. And bad credit is no problem!

Atwood Rentals HVAC provides rent-to-own options. We get you on the path to ownership of your heating and air system. We provide a range of terms from 36-months to 72-months. The application is simple. And we can let you know our answer in 15 minutes.

Find A Dealer or Bring Your Own

When you come to Atwood Rentals HVAC, we will recommend at least two of our verified dealers.

Or, if you’re already working with a dealer that's not in our system, we can get that dealer set up the same day. The speed at which we can onboard new dealers is unique in the industry. Have them sign up as an Atwood dealer and provide a certificate of insurance. We'll have them set up in no time. We don't release payment to the dealer until you are completely satisfied. Atwood Rentals HVAC put the homeowner in control.

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HVAC Financing Bad Credit

Signup Process

Don't lose hope that you weren't approved for HVAC Financing. Bad credit is no problem for us. Our application process is simple and fast. We can send you a link to apply through our easy-to-use online portal to fill out your own. Or, you can email or text us documents and we’ll help you through the process.

You need to provide a current mortgage statement or proof of homeownership. Picture ID such as a driver's license or passport. Current check stub or proof of social security disability. Or, you can provide two months of bank statements where we can see a recurring income. You can set your first payment as far out as 45 days from signing. There are terms from 36-months all the way up to 72-months.

HVAC Financing Bad Credit
HVAC Financing Bad Credit Customer Service

No Credit Check

That's right, we don’t do a credit check. We don’t do any searches for NSF or overdrafts. We only look at the documents you provide.

You can rest assured that you are not going to get overcharged or upsold on a system you don’t need. We have a nationwide price list for all our dealers. You get the peace of mind to know you are getting a fair deal.

You can work with the dealer with whom you are most comfortable. You get fixed payments, there are no hidden fees, and there are no pre penalties to pay off early. We can approve you in 15 minutes and get your system installation underway within the same day.

What’s the average price of a replacement system?

$6,801 with an average deposit of $500. We can take credit or debit cards for the deposit. You make monthly payments by ACH.

Superior Customer Service

Our customer service is the best in the industry. You will always talk with the same US-based account manager. You don't deal with a call center queue. If you ever have issues with your account, your assigned account manager is ready to help you.

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HVAC Financing Bad Credit Replacement Systems

Full Replacement Systems

Our rent-to-own heating and cooling systems are available nationwide. We contract for 14 and 15 seer systems based on the requirements of your region. These are quality standard heating and air systems. We offer industry-leading brands like Carrier, Bryant, and Goodman. You are able to afford a quality, energy-efficient system that will last. We will even remove your old system at no extra charge! At the end of the day, you need an HVAC system you can trust. We get you set up with that fast.

Partial Replacement Systems

We can also do partial rent-to-own systems. We'll do a condenser only. We'll do a furnace only. We'll do an air handler only. We'll even do ductless mini-splits. We provide you whatever you need with a very flexible contract.

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HVAC Financing Bad Credit No Problem

Our Rent-to-Own Plans Are Perfect For You!

Atwood Rentals is the premier supplier of rent-to-own heating and cooling systems. We offer flexible lease terms and no credit check. You no longer have to sacrifice comfort and system quality due to large up-front costs.

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When Denied Traditional Financing, Bad Credit Is No Problem

When looking for HVAC financing, bad credit can limit your options. That’s why Atwood Rentals HVAC offers lease to own air conditioning options.

Rent-to-own makes purchasing your new heating and air conditioning systems possible. Even if your credit needs a little work.

  • NO credit check needed or required
  • FLEXIBLE monthly payment options based on 36, 48 60, or 72 months
  • EARLY payoff discounts up to 40% off your remaining balance.
  • QUICK response time

Sooner or later, you'll have to replace your heating and cooling system. But when that time comes, your wallet may not be ready! Can't qualify for traditional HVAC Financing? Bad credit issues don't affect our rent-to-own program. Atwood Rentals HVAC can keep you comfortable! Our dedicated Relationship Managers are eager to restore your heating and cooling. We can usually get you back up and running within 24 hours.