Heat & Cool financing

Buy Now, Pay Later.  No prepayment fees.

Flexible Payment Terms of 6, 12, 24 and 36 Months*

Heat & Cool has teamed up with Bread to offer quick, no hassle financing terms to our customers. You can choose the products you want to purchase and pay for it over time using financing. 


Wherever you see the Bread financing button, you can click on it to apply. Simply provide the basic information that is requested. Prequalification does not affect your credit score. Bread is committed to keeping your personal information secure and uses its technology to encrypt that data. If you are offered loan terms that are satisfactory to you, and have finished shopping, you can check out and complete your purchase.

You will receive an email confirmation from Heat and Cool. When your loan has started, Bread will reach out to you directly to coordinate payments.

Why Was I Not Approved?

Unfortunately, we do not have any control over the underwriting decision. We would still encourage you to move forward with the transaction with an alternative payment option. Further, should you have any questions regarding your credit application with our financing partner, Bread, you can reach out to them directly at info@getbread.com or 844.992.7312. You should also receive a notice from Bread regarding your application.


For more answers to questions, please read Bread’s Frequently Asked Questions. Should you still have any additional questions about Bread’s financing program, you can reach out to them directly at support@getbread.com or 844.992.7323.

*The term is for a loan to finance a purchase. Rates range from 5.99% to 29.99% APR, resulting in, for example, 36 equal monthly payments of $31.33 to $42.45 at 7.99% to 29.99% APR per $1,000 borrowed. Your terms may vary and are subject to credit approval. Bread® loans are made by Cross River Bank, a New Jersey Chartered Bank, Member FDIC.