Spread out the cost of your new AC with payment plans designed to fit any budget — no matter your credit.
Apply online in minutes and get approved quickly — no long waits, no paperwork headaches.
Your information is always protected with bank-level encryption for total peace of mind.
We believe everyone deserves to be comfortable. That’s why we partner with lenders who specialize in helping homeowners with fair or poor credit. No judgment, just solutions.
Secure Financing
Apply with confidence — fast, flexible AC financing backed by secure, encrypted processing.
Fast & Flexible
Quick approvals and flexible payment plans made to fit your life.
Soft Credit Check
Check your financing options with zero impact on your credit score.
What Our Customer Says?
John P.
Moody Air Conditioning made it so easy to upgrade my system! I was worried about my credit, but their flexible financing options gave me peace of mind. The approval process was quick, and the installation team was top-notch.
Emily T.
I had been putting off getting a new AC system because I wasn’t sure if I could afford it. Moody Air made it easy with their affordable financing options. I got approved in minutes and was able to have my new unit installed the very next day.
Michael W
I’ve had bad credit in the past, so I didn’t think I’d be approved for financing. But Moody Air Conditioning gave me a chance, and now I have a new AC unit that works perfectly. The whole process was so simple and stress-free.
David L.
I was hesitant to apply because of my credit history, but MoodyAC Air Conditioning gave me the chance I needed. Their financing options were clear and easy to understand. I got approved within minutes and had my AC installed right away.
Rachel L.
The team at Moody Air was amazing from start to finish. The financing options were clear and easy to understand, and I felt supported the entire time. My new AC is keeping me comfortable all summer long and the payments are manageable!
Don’t wait to upgrade your AC. Get the system you need now and pay over time with low monthly payments.
Our 100% online application is fast, simple, and available 24/7. No appointments needed.
We work with a network of lenders to help you access the most competitive rates available based on your credit profile.
We don’t just check one lender. We match you with several offers so you can choose the best one for you.
Hundreds of families have financed their AC systems through us. Read our reviews and see the difference we make.
We’re not a big-box brand. We’re a local team that cares about keeping our community cool and comfortable.
At Moody Air Conditioning, we make it easy to enjoy the comfort of a new AC system without the upfront costs. Our simple financing options are designed to fit any budget, with fast approval and flexible payment plans.
Yes! We work with financing partners who specialize in helping customers with all types of credit — including fair or poor credit. Many of our customers with bad credit get approved every day.
Even if you don’t qualify for the first option, we often have multiple lending partners who may still offer a solution. Plus, our team is always available to help find an alternative.
No. Our initial application uses a soft credit check, which does not affect your credit score. Only if you move forward with a specific financing plan will a hard credit inquiry be made.
In most cases, you'll get a financing decision within minutes of submitting your application. It’s fast, secure, and completely online.
Usually, all you need is basic information: your name, contact info, estimated credit score, and income details. No lengthy paperwork or uploads required.
Not at all! You can apply first to see your financing options. Once you’re approved, we’ll help you choose the right AC system for your home and your budget.
