Personal loans of up to $35,000

Air Conditioning Loans

Is your air conditioning unit not running the way it used to? Does your heating system work? Do you have to worry about if your home’s central heating and cooling system breaks down you might not have the funds to cover the repair cost? Have you spent hours researching companies that finance air conditioning repair or HVAC repair? Are you worried about the consequences of having your credit pulled multiple times? Do you need an immediate solution? Even worse, do you have bad credit? Need a long term personal loan, not a title or payday loan?

We are here to let you know that Simple Solutions can help.  

Simple Solutions started with a central idea, to make obtaining financing for consumers simple. We have worked with leaders in the industry, bringing together over 15 years of financial expertise to help us provide you with a Simple Financing Solution. Our solution is not only simple, it is the best solution for financing your desperately needed project.

HVAC financing can be at times, somewhat hard to obtain. When your air conditioner or home heating system goes out, it can sometimes even be dangerous. You might immediately reach out to an air conditioning service repair company or even a dealer who offers HVAC financing. Most of the time, people cannot find air conditioning financing. They search for terms like AC Loan, or AC Loans and are shocked to find so little available.

We now have the solution! Not only do we offer financing for good credit candidates but we also offer air conditioning financing for bad credit borrowers, as well. So, there is no need to worry. Air conditioning financing or bad credit furnace financing does not have to make you stressed and panicked because we have figured it out for you.

When you think of companies that can help you finance air conditioning repairs, think of Simple Solutions. This is what we do. We have multiple solutions for good credit, bad credit and everything in between. Simple Solutions offers the Simple Solutions Process or our ‘1, 2 Fund’ program. This program is designed to give you the greatest chance at getting your much needed air conditioning financing and HVAC financing.

With our 1,2 Fund process, we never pull your credit. So, you don’t have to worry about your score dropping from too many credit pulls. Simple Solutions even offers our clients the ability to obtain their own credit score using our ‘Knowing Your Credit Score‘ page. We never share your information with anyone and you will never receive any unwanted calls or solicitations.

Our programs include 2, 3, 5 & 7 year programs. We review credit scores down to 450, offer loans up to 35K and we even have specialized credit cards for home improvements. With the 1, 2 Fund process, you can get funded in a day and be back on your way to feeling comfortable.

If you review our ‘how it works’ page, you will find out more information on our current rates, programs and any other questions you may have.

Our process really is that simple.

Are you worried that your current HVAC company will not work with us? We have that covered, as well. Just have them go to our ‘free partner registration‘ page and register. It does not cost them a penny and it only takes 3 minutes. If your service provider is not willing to register, don’t worry, we can work with just you, one on one. We have all of your bases covered. Our goal, is to make certain that anyone who needs air conditioning financing repair or HVAC repair, has the ability to obtain funds.  

The Simple Solutions promise and why we are different

  • Great programs available:  We have worked to fuse great loan programs together to help you get the loans you deserve.
  • Privacy assurance:  Simple Solutions does not give your information to anyone. No more unwanted solicitations, phone calls or emails while you decide. You will not receive any calls or solicitations from Simple Solutions.
  • No initial credit check:  Most of our clients know that having multiple inquiries can lower your score. We realize that, too. With our simple as ‘1, 2, FUND’ process, you use the data you obtain to give you the best possible chance for funding.

Those are the core principles that Simple Solutions was founded on, two years ago. We have been striving to make HVAC financing available to everyone and make air conditioning repair financing available to everyone at any time of day, to take the stress out of a heated situation.

Simple Solutions air conditioning financing and HVAC financing programs are offered in 48 states.

Available to:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, District of Columbia, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming

No Hidden Fees

Simple Solutions never charges any fees to its customers. If you are ever asked to pay a fee to obtain a loan, cease conversations with that company immediately.

Quick Loan Funding

Simple Solutions offers loans to include quick loans for bad credit. These loans are usually funded within 1 business day but may be a bit longer at times. After loan origination most clients will be asked to remit their first payment within 4 – 6 weeks. It has been presented to Simple Solutions that none of our programs have prepayment penalties. Therefore, any client may pay off a loan at any time.

Unsecured Personal Loans

Unsecured personal loans is what Simple Solutions provides. We do not offer payday or title loans to our customers. Emergency loans with no credit check, helps our clients achieve the goal of obtaining a loan simply and effectively.

1, 2, FUND? What?

Ready to Fund?

How it Works

Do you want to know how it works?

Sample Rates

Interested in sample rates?

Loan Examples (loan terms available for 2, 3, 5 & 7 years – loan example below reflects a 2 year loan program)

Loan Amount


FEE Credit


Payment Amount Interest Repayment Amount
$1500 / 2YR $0 700+ $64 4.99% $1579
$1500 / 2YR $0 680+ $66 5.75% $1591
$1500 / 2YR $0 620+ $67 7.45% $1612
$1500 / 2YR $0 580+ $69 9.99% $1661
$1500 / 2YR $0 500+ $70 11.45% $1685
The loan information shown here is an example and may not reflect the rates available on all loans. Minimum APR is 4.99% and Maximum APR is 35% 

You can obtain credit for every type of HVAC need

Customer Reviews
Micheal Smith
Applying for a loan was simple and hassle free! Do recommend!
Jessica Carr
Was able to get my loan without any hassle! Thanks Simple Solutions!