HVAC Financing in Chicago & Suburbs

A New HVAC System Today, Convenient Monthly Payments Tomorrow

Hvac financing | frontline heating & cooling

Furnaces fail on the coldest nights. Air conditioning quits on the hottest days. The cost shouldn’t keep you waiting. Frontline offers HVAC financing options. Apply in minutes. Same day decision.

See Financing Options Call: (872) 234-1019
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2 Minute Application

Soft Credit Pull

Same Day Decision

Apply From Home

Two HVAC Financing Options

Pick the Path That Fits Your Situation

Hvac financing | frontline heating & cooling

Apply to FTL Finance first. If that path doesn’t work, Breeze is built for the moments when traditional financing says no. Most Chicago homeowners qualify for one of the two.

Option 01

FTL Finance

No minimum credit score. 80% of homeowners approved.

Product Type

Installment Loan

Loan Amount

$2,500 to $20,000

Repayment Terms

3, 5, 7, or 10 Years

Interest Rates

6.99% to 19.99% APR

Credit Pull

Soft, No Score Impact

Min Credit Score

None Required

  • No minimum credit score. FTL reviews your full credit profile and household income, not just a number.
  • Three tier approval program covers strong credit, lower credit scores, and partner referrals so more homeowners get a yes.
  • No origination fee, no closing costs, no prepayment penalty. Pay early without losing money.
  • First payment due 30 days after we finish the installation. Frontline gets paid in 1 to 2 business days.
Apply With FTL

Option 02

Breeze Lease to Own

Built for the moments when traditional financing says no.

Product Type

Lease to Own

Approval Range

$9,000 to $18,000

Lease Term

Up to 48 Months

Credit Check

No Hard Pull

Early Payoff

3, 6, or 9 Months

Credit Building

Yes, Reported

  • No hard credit check. Approval based on income and payment history, not your credit score.
  • On time payments are reported to the credit bureaus, so steady payments help rebuild credit while you stay covered.
  • Early purchase options at 3, 6, or 9 months can lower the total cost. The sooner you pay it off, the less you pay.
  • Equipment is yours when the lease ends. Fixed monthly payments, no hidden fees, no balloon at the end.
Apply With Breeze

What You Can Finance

Cover the Whole Job, Not Just the Equipment

Hvac financing | frontline heating & cooling

HVAC financing covers equipment, labor costs, and installation. Whether you need a small repair, a furnace replacement, or a full HVAC system replacement, we have a payment plan that fits.

New HVAC System Installation

Full HVAC System Replacement

HVAC System Maintenance

Furnace Replacement

Air Conditioning Installation

Heat Pump Replacement

Water Heater Installation

Boiler Installation

Side-By-Side Comparison

Which Option Is Right For You?

Hvac financing | frontline heating & cooling

Most Chicago homeowners qualify for one of these two paths. Apply in minutes from your phone or computer.

FeatureFTL FinanceBreeze
Best ForApply here first, lowest total costIf FTL cannot approve, no hard credit check
Product TypeInstallment loanLease to own agreement
Loan or Lease Amount$2,500 to $20,000$9,000 to $18,000
Credit RequirementNo minimum credit scoreNo hard credit check
Interest Rates6.99% to 19.99% APRNot applicable, lease structure
Repayment Terms3, 5, 7, or 10 year fixedUp to 48 months
Equipment OwnershipYours from day oneYours when the lease ends
Early PayoffNo prepayment penaltyDiscounts at 3, 6, or 9 months
Credit BuildingReported to bureausOn time payments reported, helps rebuild credit
Origination FeeNoneNone

Not Sure Which One Fits?

Call: (872) 234-1019
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Common Financing Questions

Same questions come up every week. Here are straight answers on credit score, monthly payments, and the application process.

Call: (872) 234-1019

Frequently Asked Questions

FTL Finance pulls a soft check to pre-qualify. That doesn’t move your credit score. Breeze runs no hard credit check at all. You can check your options on either with no impact.

Breeze is built for that moment. It uses income and payment history instead of credit score, so lower credit scores still qualify. Most homeowners qualify for one of the two paths.

FTL covers loan amounts from $2,500 to $20,000, which fits most repairs and installs. Breeze starts at $9,000 and caps at $18,000, so it works best for full HVAC system replacement, not small fixes. If your project is under $9,000 and FTL cannot approve, the smaller fix may need to be paid out of pocket.

FTL APR ranges from 6.99% to 19.99% based on credit profile and loan term. Higher scores get more competitive interest rates. Breeze is a lease to own, not a loan, so it doesn’t carry an APR. Your fixed monthly payments are set in the lease agreement.

FTL offers fixed terms of 3, 5, 7, or up to seven years and longer at 10 years for lower monthly payments on bigger jobs like a full HVAC system replacement. Breeze runs up to 48 months with early payoff options at 3, 6, and 9 months.

Yes on both. FTL has no prepayment penalty, so you can wipe out the loan whenever you like. Breeze offers early purchase options at 3, 6, and 9 months that significantly reduce your total cost.

Yes. On time payments are reported to the credit bureaus. Steady monthly payments through the lease term can help rebuild credit, which is one of the reasons we partnered with them.

Apply online from your phone or laptop in about two minutes. Most homeowners get a decision in minutes. Once approved, FTL pays Frontline within 1 to 2 business days, so we can schedule the installation and payment plan together.

Yes. Illinois is on the eligible list. Breeze is not available in NJ, DC, WY, HI, MN, or WI. Most of our service area in Chicago and the surrounding suburbs is covered.

FTL has no origination fee, no closing costs, and no prepayment penalty. Breeze has no hidden fees. Read the loan agreement or lease agreement before you sign so you understand minimum monthly payments, late payment policy, and the repayment terms. We’ll walk you through it before the install.

Get Started

Stay Comfortable, Stay Protected, Frontline Has Your Back!

Hvac financing | frontline heating & cooling

We’re here to help with all your heating and cooling needs across Chicagoland. Fill out the form below and our team will reach out to discuss your project and schedule your free estimate.

Fill out the form. We’ll reach out to schedule your HVAC repair or replacement.