HVAC Financing in Texas, Oklahoma, & New Mexico: Quick Approval, Flexible Payments!

“Financing Options”

At J&L Juan Chacón, we understand that the weather won’t wait and your financial situation is unique. Our goal is simple: to keep you and your family comfortable, regardless of your credit history. We offer two main financing channels:

Traditional Financing

Ideal for homeowners with good credit history. We offer our lowest interest rates and most extended repayment terms through our network of banking partners.
Key Benefits:
Competitive interest rates from 0% interest.
Repayment terms up to [X] months/years.
Everyone qualifies with an SSN or ITIN.
No Down Payment.

Non-Traditional Financing

This is our solution for you if your credit is limited, imperfect, or if you require immediate approval. We work with specialized finance companies that prioritize ability to pay over credit history.
Key Benefits:
Approval based on income, not solely on credit.
Online or phone pre-qualification process in minutes.
No Down Payment.

Free Estimation

“Submit Your Details and We’ll Call You Today!”

Forget the fear of paperwork and rejection. Our team will review your information and financing options in minutes—before your house gets any hotter. We guarantee a call with real payment options tailored to your needs.

Name
Email
Number
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Is good credit history required to qualify?

No, a high credit score is not required. We partner with specialized lenders who focus on making financing accessible, even if your credit is limited or imperfect.

Can I qualify with an ITIN?

Yes, you can qualify with an ITIN. In most cases, you will receive the same benefits as someone with an SSN, but the final terms are determined by the specific lending institution.

What are the typical financing terms?

Terms vary depending on the lender you are approved with or choose. Common plans include:
Plans up to 18 months, starting at 0% interest.
All of the lending institutions we work with have NO prepayment penalty for paying off the loan before the selected term.

Which lenders do you work with?

Synchrony bank
Wellsfargo [bank]
Service finance [Lender]
Aqua finance [Lender]
Goodleap [Lender]
Cartera [Lender]

How long does the application process take?

Once we have your necessary information, we typically receive an approval decision from the lender within 5 to 10 minutes.