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 nowA 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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Move the slider to your project size, enter a rate, and compare every term at once.
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
| Term | Monthly | Total interest |
|---|---|---|
| 10 years | $299 | $15,820 |
| 12 years | $275 | $19,571 |
Soft credit check. No impact to your credit score.
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.
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.
GoodLeap returns up to three loan options with estimated monthly payments so you can compare terms side by side.
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.
Pick the term that fits your budget. Shorter terms cost less overall, longer terms lower the monthly payment.
Final approval happens with the lender and may involve a hard credit inquiry. Decisions usually come back in minutes.
You start payments on the lender's schedule. Nothing is owed to The Cooling Company up front on a financed job.
Credit score matters, but it is not the only input, and it is rarely the one that decides a borderline application.
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.
Lenders compare your monthly obligations against your income. Paying down a card before applying can help more than a small score change.
The rate is the same at every term, so the amount mainly decides which monthly payment feels comfortable. Financing runs up to $55,000.
High-efficiency systems qualify for more programs, including promotional plans, because the energy savings help carry the payment.
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.
Same rate either way. The only question is whether you want the lower payment or the lower total cost.
| 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.
Two licensed lenders with different strengths. We submit to whichever fits your situation, and to both if the first says no.
Best for energy-efficient upgrades and longer terms
Best for broad credit acceptance
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.
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.
$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.
Seasonal rebates on qualifying high-efficiency Lennox systems. Amounts change through the year; see current promotions.
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.
If it appears on your estimate, it can generally be financed.
Approvals, credit checks, terms, and what happens if the answer is no. Still stuck? Call and ask for a comfort advisor.
Call (702) 567-0707Financed installations across the Las Vegas Valley.
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 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.