Financing

Flexible payment options

Buy now.
Pay over time.

Get the heating and cooling equipment you need today
and choose a financing option that works for your budget.

  • Quick online
    application
  • Flexible payment
    options
  • Secure
    checkout

Two ways to finance your comfort system

Both start with a soft check that won't affect your score - pick the one that fits where your credit stands.

Option 1

Good–Great Credit

Flexible terms up to 48 months! Best if your credit is good to great.

  • 6, 12, 24, 36 & 48 month terms
  • No prepayment fees
  • Soft check — no impact on your score
See Bread Pay details

Option 2

All Credit Types

Best if your credit is fair, rebuilding or limited.

  • Offers across a wide range of credit
  • Simple online application
  • Soft check — no impact on your score
See PayTomorrow details
Good–Great Credit

Option 1 · For good–great credit

Finance Your Purchase with Bread Pay

Get the HVAC system you need with flexible terms and a straightforward application process through Bread Pay.

Buy Now, Pay Later. No prepayment fees.

Heat & Cool has teamed up with Bread Pay® to offer quick, no hassle financing terms to our customers. You can choose the products you want to purchase and pay for it over time using financing.

After your purchase

You will receive an email confirmation from Heat & Cool. When your loan has started, Bread Pay will reach out to you directly to coordinate payments.

Secure prequalification

Prequalification does not affect your credit score. Bread Pay is committed to keeping your personal information secure and uses its technology to encrypt that data.

How it works

  1. 1

    Find Your System

    Choose the HVAC products you need and add them to your cart.

  2. 2

    Check Your Eligibility

    Wherever you see the Bread Pay financing button, click it to apply and provide the basic information requested.

  3. 3

    Complete Your Purchase

    Review the available loan terms, finish shopping, and complete your purchase.

Bread Pay FAQ

Wherever you see the Bread Pay financing button, you can click on it to apply. Simply provide the basic information that is requested. Prequalification does not affect your credit score. Bread Pay is committed to keeping your personal information secure and uses its technology to encrypt that data. If you are offered loan terms that are satisfactory to you, and have finished shopping, you can check out and complete your purchase.

Prequalification does not affect your credit score.

Unfortunately, we do not have any control over the underwriting decision. We would still encourage you to move forward with the transaction with an alternative payment option. Further, should you have any questions regarding your credit application with our financing partner, Bread Pay, you can reach out to them directly at 1-844-992-7323. You should also receive a notice from Bread Pay regarding your application.

Still have questions about Bread Pay? Call 1-844-992-7323

All Credit Types

Option 2 · For all credit types

More Ways to Pay with PayTomorrow

PayTomorrow offers flexible financing options for customers across a wide range of credit profiles.

Explore flexible payment options.

Apply at checkout, review the offers available to you, and choose the payment plan that fits your needs.

Choose PayTomorrow at checkout

Pick PayTomorrow as your payment method at checkout to apply for financing.

Get approved and enjoy your purchase!

Applying for financing with PayTomorrow is quick and simple. Enter your personal info, select an offer, make a down payment if required and enjoy your purchase!

How it works

  1. 1

    Add to Cart

    Choose your HVAC products and add them to your cart.

  2. 2

    Select PayTomorrow

    Choose PayTomorrow at checkout.

  3. 3

    Review Offers

    Review personalized offers and terms. Make a down payment if required.

  4. 4

    Complete Purchase

    Accept an offer and finalize your order.

PayTomorrow FAQ

PayTomorrow offers financing for customers of all credit types. We’ve partnered with PayTomorrow to allow more of our customers the opportunity to get approved for financing.

Simply select PayTomorrow as a payment option in the shopping cart.

No. Checking out with PayTomorrow will not result in a hard inquiry to your TransUnion report as we use a soft credit pull.

Still have questions about PayTomorrow? Call 1-866-418-5857

Have questions about financing?

Explore the Bread Pay and PayTomorrow options above to find the right fit. If you need help with your Heat & Cool order, our team is here to help. Contact us 1-800-978-5628.

call 1-800-978-5628

*Minimum purchase of $50.00 is required. Availability of terms may vary based on purchase price, product, and state of residence. Down payment may be required. Subject to approval of credit application. Rates range from 5.99% to 34.99% APR, resulting in, for example 48 monthly payments of $26.00 at 8.99% APR, per $1,000.00 borrowed. APRs will vary depending on credit qualifications, loan amount, and term. Bread Pay® loans are made by Comenity Capital Bank, a Bread Financial® company.