No Credit? Lease-to-Own.
Chowder Financials’ Lease-to-Own Program is a flexible financing solution that helps homeowners acquire their HVAC systems and repairs without the burden of traditional financing.
- Accepts credit scores as low as 400
- Flexible Term Offers
- Predictable Monthly Payments
- Paperless Process
Prefer Traditional Financing?
We also offer an array of financing options through Service Finance Company, LLC (a subsidiary of Truist) — promotional financing for major purchases and extended-term loans to fit most budgets. Thousands of homeowners and businesses have relied on Appolo Heating since 1968 for heating and air conditioning systems, water heaters, generators, and indoor air quality products. Don’t let your budget keep your family from staying comfortable and safe all year round.
If you are credit-qualified, you can enjoy:
- A simple application process and fast credit decisions
- Unsecured, revolving credit lines
- Open credit lines for future needs, including service and maintenance
- Promotional financing options
- Convenient monthly payment options
- Online account management
Financing your HVAC purchase also keeps your existing funding sources — home equity lines, credit cards, savings — available when you need them.
Have Questions or Need Help?
Dealer’s Concierge: Email sales@svcfin.com or call (877) 661-6793
Hours of operation:
Monday–Friday: 8:00am – 10:00pm EST
Saturday: 9:00am – 5:30pm EST
Sunday: 12:00pm – 6:30pm EST
After-hours call center: (866) 254-0497
Monday–Friday: 8:00am – 12:00am EST
Saturday: 9:00am – 11:00pm EST
Sunday: 12:00pm – 6:30pm EST