💡 HVAC Financing in Las Vegas: What You Need to Know
- ✓Ask about our 12 month no-interest option. They are available on qualifying systems with approved credit, and they are worth asking about before you pick a plan.
- ✓Financed installations are $0 down. You owe The Cooling Company nothing up front.
- ✓Our standard plan is 12 years at 12.99% APR. Choose 10 or 12 years, both at the same fixed rate, on amounts up to $55,000.
- ✓Pre-qualification uses a soft credit check and does not affect your credit score. Final approval may require a hard inquiry.
- ✓Neither partner charges a prepayment penalty, so you can pay the balance off early and cut your total interest.
- ✓Rebates and recycling credits are applied before financing, which lowers both your payment and your total interest.
- ✓The Cooling Company is the merchant, not the lender. GoodLeap and Service Finance Company make all credit decisions and provide all rate disclosures.
Can I finance a new AC or furnace in Las Vegas with no money down?
Yes. The Cooling Company finances HVAC installations with $0 down through GoodLeap and Service Finance Company. The GoodLeap Home Efficiency Loan covers amounts up to $55,000 with fixed-rate terms of 10 or 12 years and no prepayment penalty, and a 12 month no-interest promotional plan is available on qualifying equipment. Pre-qualifying takes a couple of minutes and uses a soft credit check that does not affect your credit score. Your rate and term are set by the lender at approval, not by us.
Source: The Cooling Company
Pre-qualify nowHVAC Financing in Las Vegas
$0 down, 12.99% APR fixed, no prepayment penalty
A failed air conditioner in July is not a purchase anyone plans for. Financing turns a five-figure replacement into a monthly payment, so you can put in the system your home actually needs instead of the one your cash on hand allows. Pre-qualifying takes a couple of minutes and uses a soft credit check. And ask about our 12 month no-interest option: pay the balance off inside the year and you pay no interest at all.
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Financing at a glance
What would my payment be?
Move the slider to your project size, enter a rate, and compare every term at once.
Estimate your monthly payment
Real rates, not a teaser. Every figure below uses 12.99% APR, the rate our lender quotes. Estimates only, not an offer of credit.
Starting from a typical replacement. Most projects come in lower once rebates and recycling credits are applied. Get your real number.
$1,000Financing available up to $55,000
Ask about our 12 month no-interest option
On qualifying systems with approved credit, we can place you on a plan that charges no interest at all if you pay the balance in full within 12 months. It is a 10 year note at 15.49% APR underneath, so if a balance is still there after 12 months, interest applies. Worth asking about if you expect a bonus, a tax refund, or an insurance payout inside the year.
Estimated payment over 12 years
$275/mo
- Amount financed
- $20,000
- Annual percentage rate
- 12.99% APR
- Number of payments
- 144
- Total of payments
- $39,571
- Total interest
- $19,571
- Down payment
- $0
| Term | Monthly | Total interest |
|---|---|---|
| 10 years | $299 | $15,820 |
| 12 years | $275 | $19,571 |
Soft credit check. No impact to your credit score.
Take the lower payment. Pay it off like the shorter one.
Neither of our lenders charges a prepayment penalty, and that changes how you should read the table above. Picking the longer term is not a commitment to pay interest for the full term; it is a lower required payment. Every extra dollar goes straight at principal, so a 12 year plan you overpay finishes early and costs you less than the schedule says. The shorter term locks you into the higher payment. The longer one gives you the option and lets you decide month to month.
And ask about our 12 month no-interest option before you choose. If you can clear the balance inside a year, there is no interest to pay at all.
Not sure what your project costs? Most Las Vegas AC replacements land between $8,000 and $15,000 depending on system size and efficiency. The instant quote tool gets you a real number in a few minutes.
How HVAC financing works with The Cooling Company
⏱️ Pre-qualification takes about 2 minutes- 1
Pre-qualify online
Answer a few questions on the secure lender form below. This is a soft credit check, so it does not affect your credit score.
💡 Pro Tip: Pre-qualifying before your estimate means you already know your budget when we walk through options.
- 2
See your options
GoodLeap returns up to three loan options with estimated monthly payments so you can compare terms side by side.
- 3
Get your estimate
We size the system for your home, apply every rebate and recycling credit you qualify for, and show the financed monthly payment on the quote.
- 4
Choose your plan
Pick the term that fits your budget. Shorter terms cost less overall, longer terms lower the monthly payment.
- 5
Complete the application
Final approval happens with the lender and may involve a hard credit inquiry. Decisions usually come back in minutes.
- 6
We install, the lender funds us
You start payments on the lender's schedule. Nothing is owed to The Cooling Company up front on a financed job.
What lenders actually look at
Credit score matters, but it is not the only input, and it is rarely the one that decides a borderline application.
Credit history
Both partners approve a wide range of credit profiles. Service Finance works through a pool of lenders, which is why it often approves applicants a single-lender program would decline.
Income and debt load
Lenders compare your monthly obligations against your income. Paying down a card before applying can help more than a small score change.
Amount financed
The rate is the same at every term, so the amount mainly decides which monthly payment feels comfortable. Financing runs up to $55,000.
The equipment itself
High-efficiency systems qualify for more programs, including promotional plans, because the energy savings help carry the payment.
If you are declined
Ask us to submit to the second partner. GoodLeap and Service Finance use different underwriting, so a decline from one is not a decline from both. A co-applicant, a smaller scope, or a partial down payment to reduce the financed amount also changes the math. If none of that works, we can stage the job so the most urgent piece happens now.
10 years or 12 years?
Same rate either way. The only question is whether you want the lower payment or the lower total cost.
10 years vs. 12 years
| Feature | 10 years | 12 years |
|---|---|---|
| Monthly payment | Higher | Lower |
| Total interest paid | Lower | Higher |
| Time to own outright | Sooner | Later |
| Best for | Paying less interest overall | Keeping the monthly payment lower |
| Can pay off early with no penalty | ||
| $0 down |
Our Recommendation: If the 10-year payment fits comfortably, take it: you pay noticeably less interest over the life of the loan. If it would stretch your budget, take 12 years and pay extra whenever you can. There is no prepayment penalty, so a 12-year loan you overpay behaves like a shorter one. Talk to us either way; we have other terms we can look at with you.
Our financing partners
Two licensed lenders with different strengths. We submit to whichever fits your situation, and to both if the first says no.
GoodLeap
Best for energy-efficient upgrades and longer terms
- Standard plan: 12 years at 12.99% APR fixed
- Also available at 10 years, same 12.99% APR
- Loan amounts up to $55,000
- $0 down and no prepayment penalty
- 0.50% rate discount when you enroll in AutoPay
- No-interest promotional offers on select equipment and plans
- Covers HVAC, water heating, windows, doors, smart home, and more
Service Finance Company
Best for broad credit acceptance
- Nationally licensed sales finance company
- Approved FHA Title I lender
- Works through a pool of lenders, which raises approval odds
- Pre-screening returns a decision within minutes
- Flexible repayment terms and no prepayment penalty
- Strong option if a single-lender program has declined you
Pre-qualify in about two minutes
A soft credit check that does not affect your score. GoodLeap returns up to three loan options with estimated monthly payments.
This secure form is hosted and operated by GoodLeap. The Cooling Company does not receive or store your credit information. Pre-qualification is a soft credit check; final approval may require a hard inquiry.
Prefer to talk it through first? Call (702) 567-0707 and we will walk you through which partner fits your situation.
Stack rebates and credits before you finance
Every dollar of rebate is a dollar you do not borrow, and on a 15-year term that compounds into real interest savings. We apply everything you qualify for before the financed amount is calculated.
- NV Energy PowerShift rebates
$250 to $475 on qualifying central AC systems and $250 to $550 on heat pumps, depending on the efficiency tier (15.2 to 19.1+ SEER2). Income-qualified households receive $350 to $650.
- Lennox manufacturer rebates
Seasonal rebates on qualifying high-efficiency Lennox systems. Amounts change through the year; see current promotions.
- Recycling credit
We recover the refrigerant per EPA rules, recycle the copper, aluminum, and steel in your old system, and apply the credit toward your new installation.
A note on federal incentives: the 25C tax credit expired December 31, 2025 and has not been renewed. Nevada's HEEHR rebate program is funded but is not yet accepting applications. We will not quote you a credit that does not exist.
What you can finance
If it appears on your estimate, it can generally be financed.
Common Questions
Approvals, credit checks, terms, and what happens if the answer is no. Still stuck? Call and ask for a comfort advisor.
Call (702) 567-0707HVAC Financing Service Areas
Financed installations across the Las Vegas Valley.
Ask about our 12 month no-interest option
Not every system qualifies, which is exactly why it is worth asking. Pre-qualifying takes a couple of minutes, uses a soft credit check, and costs you nothing.
Financing disclosure
Financing is provided by GoodLeap, LLC and Service Finance Company, LLC, licensed lenders. The Cooling Company is a merchant and is not a lender, broker of record, or credit decision-maker. We do not set rates or terms and we do not approve or decline applications.
All rates, terms, fees, and required Truth in Lending disclosures come from the lender and are provided to you before you accept any credit agreement. Program details on this page describe the lenders' published program parameters and are subject to change without notice. All financing is subject to credit approval.
Representative example. $20,000 financed at 12.99% APR over 144 monthly payments with $0 down: estimated payment $274.80 per month, total of payments $39,571, total interest $19,571. Rate current as of July 28, 2026 and subject to change. Your actual rate, term and payment are set by the lender after credit approval and may differ.
Any payment shown by the estimator on this page is an illustration generated from the figures you enter. It is not a quote, an offer of credit, a pre-qualification, or a commitment to lend, and it does not include taxes, fees, or optional products. Promotional no-interest plans are available on select equipment and plans; on most such plans interest is waived only if the balance is paid in full within the promotional period. Ask for the lender's written terms.