Lease-to-Own for HVAC &
Plumbing Low to No Credit
Customers
Serve more customers and win more jobs
with Lease-to-Own built right.
Why Contractors Love Our Lease-to-Own Options
Sell to more customers.
Offer last look and no credit payment options to customers who traditionally struggle getting approved through loans.
Fast, frictionless workflow.
One application allows you to easily see what options could be approved for your homeowner.
Instant decisions.
~95% of applications are decisioned instantly so you don’t lose momentum in the home.
Protect your pipeline.
With ~90%+ approval rates across the platform, fewer jobs fall through.
How Lease-to-Own Works in Our Platform
1. One Application.
With easy driver’s license scanning and a friendly user interface, you only need to enter details once.
2. Automatic Routing.
Through a soft credit pull, customers can see what loans or lease-to-own options can be approved.
3. Clear Terms.
Customers see straightforward monthly payments and know exactly what they’re signing.
4. Schedule the Install.
Customers e-sign; you book the job.
What Comfort Systems You Can Lease-to-Own
HVAC:
Full replacements, ductless systems, or component upgrades
Plumbing/Water:
Water heaters (tank/tankless), softeners, filtration systems
Designed for Customers With Lower Credit
Accessible monthly payments.
Homeowners can choose repayment options, such as monthly or bi-monthly payment plans.
Path to ownership.
Customers gain full ownership at the end of the term.
More approvals, less friction.
Keep your advisors focused on solutions, not denials.
Results Contractors Care About
Close more first-visit appointments.
Overcome price barriers on the spot, and help struggling homeowners get the comfort they need.
Convert lost sales.
Follow-up with customers who previously couldn’t get traditional loan approvals to get their approvals today.
Reduce fallout.
By making more options available to homeowners, fewer jobs are lost due to financing declines.
Quick FAQ
Yes. It’s a lease agreement with a path to ownership, ideal for customers who may not qualify for loans.
We partner with Microf and Breeze to give contractors proven solutions for low-credit and no-credit customers.
No. It’s all handled within the single Comfort Connect platform application.
Many programs allow early purchase options; terms vary by provider.
Most HVAC, and water heaters qualify.
