Flexible Lease - Purchase Options
No Credit Check. Immediate Approval. Affordable Monthly Payments.
Lease - Purchase Your New HVAC
UPGRADE NOW, PAY OVER TIME
How It Works
- Check Your Buying Power – No hard credit pull
- Choose Your System – New installs or qualified repairs
- Select Your Lease Term – Up to 96 months
- Sign & Pay First Installment – You're ready to install!
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No Credit Check Required
Bad credit? No credit? No problem.
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Instant Approval Process
Apply online in minutes, no paperwork required.
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Low Monthly Payments
Terms up to 96 months for flexible, budget-friendly payments.
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Same-Day Funding for Fast Installations
Get approved and ready to install in one day.
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Get Started Today
No upfront cost required—just make your first month’s payment and enjoy instant comfort.
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.
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!