Get great rates on your HVAC financing options from Ccino

✔️ Ccino is a free service with no impact on your credit score.

✔️ Getting an HVAC financing loan without tapping your home equity.

✔️ Ccino and its partners do not have any pre-payment penalties so you can pay back the loan anytime.

No home equity HVAC financing options

Compared with home equity loans, Ccino Installment Loans gives you more flexibility in financing your next HVAC project.

✔️ Up to $100,000 in unsecured loans with no home equity needed.

✔️ Competitive rates with rates starting at 3.34% APR.

✔️ Funding usually within 1-2 business days.

Using Ccino also gives you the flexibility to pay back the loan every month with a stable monthly payment. You can pre-apply today and get up to 65 rate options for you to select from without impacting your credit score.

Ccino also offers Home-Improvement Credit Card Financing options that offers 0% APR financing options for up to 18 months. Meaning you can defer your payments for up to 18 months without any interest charges. You can see your personalized offers here.

Typical HVAC project costs

A typical HVAC replacement can cost anywhere between $5,200 to $14,900. For most homeowners, this amount is bigger than what they have in cash right now. Ccino offers a diverse range of HVAC financing products with the maximum borrowing amount at $100,000.

What do I need to qualify for a loan

Ccino and its lending partners offer HVAC financing products that cover most of the credit types.

HVAC Financing Installment Loans

Ccino Installment Loan offers homeowners a good way to finance their HVAC projects through fixed monthly payments and without tapping into their home equity. Ccino Installment Loans go as high as $100,000. We mainly look at these three factors:

Credit Score. Ccino and its partners offer Installment Loans to homeowners with credit scores as low as 560. With that being said, having an average or good credit score can help you see lower rates.

Annual income. Because borrowing through Ccino does not tap into your home equity, your annual income will be one of the factors Ccino and its partners look at. You should have at least $20,000 in annual income before applying on Ccino.

Your level of debt compared with your income. As a rule of thumb, your debt level should not reach more than 70% of your annual income. A typical debt can be a mortgage, car loan, or other types of loans.

Pre-apply now and get your HVAC financing rates in minutes with no impact on your credit score.

HVAC Financing Home-Improvement Credit Cards

Ccino has partnered with multiple partners to issue competitive home-improvement credit cards to finance your HVAC project. Ccino's 0% APR home-improvement credit cards give you the option to delay your payments for up to 18 months with no interest payments.

Here are the requirements

✅ Home-improvement credit cards require applicants to have FICO scores of at least 500.

✅ Ccino Credit Card marketplace offers up to 64 different home-improvement credit cards.

✅ To quality for the 0% APR financing options, homeowners typically need an average to good credit.

To see your personalized credit card options, visit our credit card financing page to learn more.

HVAC Financing Home Equity Loans

Ccino and its partners also offer competitive home equity loans that have on average save $6,225 for HVAC financing by utilizing homeowners' home equity. Learn more at Ccino's Home Equity Line of Credits page.

How it works


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Check Your Rates

Submit your application in 60 seconds - with no negative impact on your credit score.
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Choose Your Offer

You will see a diverse set of financing options. Choose the one that works for you.
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Fast Funding

Once approved, our lending partner will deposit the funds to your bank account typically within 1-3 business days.

Have questions?

Contact your Ccino Advisor to get personalized advice on financing your next project.


Contact Advisor