Upgrade your Comfort

Fast and Simple Financing for ALL your Comfort Needs from Multiple Lenders

Stay comfortable year round

Keeping your home comfortable is important for you and your family. But covering the costs of unexpected or planned HVAC repairs can be hard on your wallet. Financing can make improvements to your home affordable plus give you the freedom and flexibility to decide what HVAC job is right for you.

What can Credit for Comfort do for you?

Financing Decisions in Seconds

Get fast approvals to get your job started when you need it most

100% Paperless Financing Application

Fill out your personal information in a few steps online and forget about application paperwork

Control over your Sensitive Information

Fill out your application from your own device so you keep full control over your personal information

Contactless Experience

Receive application via text or email when you’re ready to apply for financing

Our lending partners

Credit for Comfort lets HVAC contractors provide you with fast and simple financing for your comfort needs through multiple-lending partners

Your questions answered

Is Credit for Comfort a financing company?
No. Credit for Comfort is a financing platform that lets contractors have access to multiple residential and commercial lenders. 
What do my customers need to qualify for a Prime loan?
To qualify for a Prime loan through our partner GreenSky, customers must be U.S. citizens, have a social security number, and have good to excellent FICO scores (640-800+). 
What do my customers need to qualify for a Second Look loan?
To qualify for a Second Look loan through our partner Fortiva, your customers must be U.S. citizens, have a social security number, and have good to fair/poor credit (500-670 FICO scores). 
What are the costs associated with financing?
Financing costs vary based on the financing plan you select. Our residential Prime and Second Look lenders both charge a merchant fee per plan offered. Additionally, our Prime lender charges a 2.1% flat fee for direct funding.
How will applying for a loan affect my customers' credit?
This depends on the lender.
  • You can pre-qualify for GreenSky with a soft credit pull. Once you are ready to accept the loan, GreenSky will require a hard credit pull. 
  • When applying for Fortiva, a soft credit pull is required for pre-approval. Once your customer wants to move forward and accept the loan, a hard pull is required.
  • Finally, even though eligibility for Ygrene is not based on FICO scores, Ygrene will do a hard pull on customers' credit to confirm certain underwriting criteria.
What will happen once customers are approved for a loan?
Once customers are approved for a loan through Credit for Comfort, they will receive an automatic notification stating that they've been approved and can move on to accept the loan. In the case of our Prime lender, customers will also receive an email link from GreenSky to activate their loan. Through this activation process, customers verify they have accepted the loan they applied for. 
How will my information be handled?
Credit for Comfort is designed with customers’ safety in mind. A qualified contractor approved to provide financing through at least one of our lending partners will text or email you the financing application you need to fill out. Once you submit the application, the system will automatically clear all information that has been temporarily stored in the browser.