Pay Monthly.No Credit Needed.
Apply for up to $18,000 toward a new AC, heat pump, water heater, or full HVAC system. No hard credit pull. Payment terms up to 48 months. Subject to Breeze approval and eligibility.
Four steps. Seven minutes.
No showroom visit, no in-home sales pitch. Apply, get approved, and have equipment delivered.
Pick Your System
Browse the catalog or let a rep size the right unit for your home. Get a free quote.
Apply Online
Apply through our secure partner portal. Takes 5-10 minutes. No hard credit pull. Decision in seconds.
Sign & Schedule
Sign the lease-purchase agreement electronically. Make your first payment. We schedule the install or delivery.
Pay Monthly
Pay monthly over up to 48 months. Early buyout options available. Own the equipment when you're done.
See your monthly before you apply.
Enter your system total to get an estimated monthly payment. Final terms depend on credit review and the lease term you choose.
Built for buyers with thin credit.
If you meet these basics, you're very likely approved. Lower credit scores are welcome — Breeze is built for them.
- 18 years of age or older
- Homeowner or long-term renter at install address
- Employed 6+ months at current job
- Monthly income of $1,200+ (higher tiers available)
- Active checking account (60+ days, no NSFs)
- Available in 40+ states (FL ✓, NC ✓, AZ ✓)
Better than a credit card.
Unlike financing, Breeze doesn't require a high credit score, doesn't charge variable APR, and doesn't trap you in a revolving balance.
No Hard Credit Inquiry
Qualification is based on income and banking activity, not FICO. Subject to Breeze approval — individual results may vary.
Up to $18,000
Enough for a full HVAC system plus install. Covers AC, heat pump, furnace, water heater, pool heater, or parts.
Early Payoff Discount
Pay off in 90 days or less and save substantially — close to cash price. Available on most lease programs.
Loss Damage Waiver
Optional built-in protection if your financial situation changes (job loss, illness). Breeze works with you.
Straight answers.
Is this financing or a lease?
Does it hurt my credit?
How fast is approval?
What if I want to pay it off early?
What states does Breeze cover?
What if I lose my job or can't pay?
What does it cover?
Apply now. Get approved in minutes.
No hard credit pull. Up to $18,000 approval for qualified applicants. Subject to Breeze approval and eligibility.
This is a lease, not a loan.
Breeze agreements are consumer lease-purchase (rent-to-own) contracts offered by Breeze Lease Purchase, an independent third-party lease provider. Furnace Direct is the equipment retailer and is not a lender or financial-services provider. Final approval, lease terms, payment schedule, and all fees are determined solely by Breeze based on the agreement you sign.
Total cost exceeds cash price.
If you complete all scheduled lease payments through the full term, the total amount paid will be greater than the cash price of the equipment. The Early Purchase Option (typically 100 days from delivery) is the lowest-cost path to ownership. Exact buyout amounts are disclosed in your signed lease and shown on your monthly statement.
Approval not guaranteed.
All lease applications are subject to Breeze approval based on their qualification criteria, which may include banking activity, income verification, and residence in an eligible state. Furnace Direct cannot guarantee approval, specific lease terms, or a specific approval amount. Payment estimates on this page are illustrative; your actual payment schedule will be disclosed by Breeze before you sign.
Your right to cancel.
You may return the leased equipment and end the agreement without further payment obligation. Specific cancellation windows, return logistics, and any applicable fees are set by Breeze in your signed lease agreement. Separately, if your transaction is a secured home-improvement loan (not a Breeze lease), federal law (Truth in Lending Act, Regulation Z) provides a three-business-day right of rescission from the date of signing.