Pay over time
A system replacement is rarely a planned purchase. Financing through our lending partner spreads it across twelve to eighty four months, with approval usually the same business day.
Get the quote first
Apply after you have a written quote from us, not before. The application asks for an amount, and guessing at it means either applying twice or being approved for the wrong number.
What we need from you
Nothing. The application is between you and the lender. We do not see the financial details, we only find out whether the job is approved to schedule.
Apply online
The application below is hosted by our lending partner. Coldrift does not see or store your financial information. Approval decisions come from the lender, usually the same business day.
Lender application
Third party embed. Styling is controlled by the lender and will not match this site.
Financing provided by a third party lender, subject to credit approval. Terms, rates, and availability are set by the lender and are not controlled by Coldrift Heating & Air.
Before you apply
What credit score do I need?
The lender sets that, not us. Approvals happen across a wide range and the application is a soft pull until you accept an offer.
How long are the terms?
Twelve to eighty four months depending on the amount financed and the offer you qualify for. Promotional zero interest periods come up periodically.
Can I pay it off early?
Yes, with no prepayment penalty on the standard products. Confirm the terms on your specific offer before accepting.
When do I apply?
After you have a written quote, so you are applying for the right amount. Applying first is fine, it just means guessing at a number.