HVAC loans for consumers are available to consumers with any type of credit scenario. There are a wide variety of financing options and we will go through the different types available through this home improvement loan site. The most important first step is to determine how much you need or want to finance. This will determine the best product choices that are available in that price point. 0% same as cash programs are some of the most popular if you are looking to borrow $15,000 or less. For most people these is a diminishing return for a 0% credit card for HVAC on products that or more than this. Should you need a bigger unit or are financing addition energy improvements yo may want to consider an unsecured loan for HVAC. Unsecured loans simply mean that there is no collateral needed to secure the loan. Basically you are using your credit and capacity to repay the loan ( job, income etc) to qualify for the financing. The longer terms that are available with an unsecured loan is attractive with being able to budget the new purchase and pay it off over time. Typically these types of loans do not have any prepayment penalty so if you want to pay it off early its is not a problem. HVAC contractor financing is also available to contractors who wish to offer attractive loans and 0% same as cash products to their consumers who wish to take advantage of these types of financing programs. It is often valuable to advertise 100% financing programs are available to help stimulate sales and to also entice consumers who otherwise could not afford to pay in cash. We highly recommend that you make it well known in all of your online and offline marketing that financing is available to your consumers on all of your products and it will help promote your company and the products and services that you sell.