Flexible Lease - Purchase Options

No Credit Check. Immediate Approval. Affordable Monthly Payments.

Upgrade your home’s comfort with a lease-to-own plan that fits your budget.

Purchasing a new HVAC system is easier than ever. Get the comfort you need now with no credit check, low monthly payments, and a simple lease-to-own program — just make your first payment to get started.

Lease - Purchase Your New HVAC

Upgrade now, pay over time

How It Works

  1. Check Your Buying Power – No hard credit pull
  2. Choose Your System – New installs or qualified repairs
  3. Select Your Lease Term – Up to 96 months
  4. Sign & Pay First Installment – You're ready to install!
Apply Now

Why Homeowners Love Lease-Purchase

  • No Credit Check Required

    Bad credit? No credit? No problem.

  • Instant Approval Process

    Apply online in minutes — no paperwork required.

  • Low Monthly Payments

    Terms up to 96 months for flexible, budget-friendly payments.

  • Same-Day Funding for Fast Installations

    Get approved and ready to install in one day.

  • Get Started Today

    No upfront cost required—just make your first month’s payment and enjoy instant comfort.
Apply Now

Lease-Purchase FAQ

What do I need to qualify?

  • Be at least 18 years old
  • Own the home where the system will be installed
  • Have a monthly household income of $2,500 or more
  • Be employed for at least 6 months, or retired/disabled

What is Caddie Leasing – Powered by Chowder?

It’s a lease-to-own program that helps you get a new HVAC system with no credit check, and low monthly payments. It’s fast, simple, and built for homeowners who want affordable comfort now. Ownership rights are not acquired until the HVAC system is paid for a specified number of payment periods. Learn More about Chowder

Do I need good credit to qualify?

Nope. No credit? Bad credit? No problem. Our approval process doesn’t rely on your credit score.

How fast can I get approved?

Most homeowners are approved within minutes. The entire application is online — no paperwork or documents required.

How much can I get approved for?

You may qualify for up to $18,000 toward a new HVAC system.

What are the lease terms?

Terms range up to 96 months, giving you the flexibility to choose a plan that fits your budget.

Can I buy the system early?

Yes! You’ll have attractive early purchase options at 12 months — helping you save big if you want to pay off early.

Is a bank account required?

No — you just need a card in your name for the first payment and auto-pay setup at your option.

When can I schedule installation?

As soon as your first payment is processed, you’re ready to install — sometimes same-day!