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HVAC No Credit Check Financing

Heating and cooling financing for St. Louis, MO and Illinois Metro-East including: Madison, Monroe, & St. Clair County Homeowners


HVAC Loan Options

Breakdowns occur at inconvenient times and you can Relax with our easy ownership options without the burden of relying on a credit check. We offer complete financing options for you to choose from on the best brands, helping you get a great new system at a payment you can afford. Getting started and approved is easy to do — just complete and submit your application online or call us to apply all with no obligation.

Installment Loans - no credit check, instant decision, available for people with low credit scores and have no bankruptcies.

Traditional Loans - competitive rates options based on your credit score.

To finalize your application, set a payment plan based on your loan amount ($2,500 minimum loan amount) and schedule a free measurement and consultation appointment.


Energy Stars Heating & Cooling gives you big company expertise at small company price.

We know that replacing your home’s heating and cooling system is a major decision—one you don’t want to make based strictly on cost. We stand behind everything we do, and we offer industry-leading service and installation. We are the trusted installer and HVAC contractor for the area Home Depot stores. We are also the largest registered Core Ally for Ameren Illinois in the Metro-East Illinois area. We work primarily on their home energy efficiency program for income qualified customers.

Other Ways We Are Different

Ameren Illinois over the past three years has chosen Energy Stars to be one of their Core Allies to go into over 1500 homes in the St. Louis Metro-East Illinois region to increase the energy efficiency levels of the HVAC systems and home insulation. Over this three year timeframe, Energy Stars has install more air conditioners and furnaces in the St. Louis Metro-East Illinois region than any other contractor in the area. Please read Ameren’s case study on our partnership. 

We are also the preferred Heating and cooling contractor for the area Home Depot stores. We provide the in-store heating and cooling contractor services at the Illinois stores in Collinsville, O’Fallon, Edwardsville, Alton, and Belleville Home Depot locations. Every day we provide their customers with the best deals and the right systems to heat and cool their homes at peak efficiencies and comfort.   

  • All our technicians and installers have proven knowledge through our NATE certification. North American Technician Excellence (NATE) is the nation’s largest nonprofit certification organization for heating, ventilation, air conditioning and refrigeration (HVACR) technicians. 
  • Energy Stars has Home Energy Professional (HEP) certified staff, this certification demonstrates advanced competency through rigorous online and field exams and work experience prerequisites.
  • Our customer service standards have resulted in excellent ratings with the BBB and other review sites.
  • We give back to the community through organizations like: The Wounded Warriors Project, The Royal Kids Foundation and The Homes for Heroes Project.

2018 Reader's Choice

2018 Reader's Choice Winner for BEST Heating and Cooling


#1 YORK® Dealer

1st Heating & Cooling Company in the U.S.A to become  a YORK® DIAMOND CLUB DEALER


American Engineering

YORK® Systems: Designed, Engineered, & Assembled in Wichita, Kansas and Norman, Oklahoma.

We make comfort affordable. Give us a call now at 618-312-1012 or 314-312-3715 to schedule a free estimate for new equipment or schedule a service appointment.  

Our Services

Our Reviews

Energy Stars Heating & Cooling Co
Based on 128 reviews
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Beth Forsythe
Beth Forsythe
04:08 04 Dec 19
These lovely people came on time, did an amazing job, and finished early. I am so glad I had them install my new... furnace, and I can't wait to get the other one installed as well! All in all, amazing company!read more
Kacie Mcdaniel
Kacie Mcdaniel
21:13 27 Nov 19
We highly recommend Energy Stars Heating & Cooling! We couldn't have asked for a better experience. The entire process... was smooth and timely. The men who installed our new equipment were very professional and friendly. Thanks guys!!read more
Malori Meador
Malori Meador
17:01 12 Nov 19
Eric is always great when he services our equipment. He is always friendly and has a ton of knowledge about heating and... cooling. I will always reach out to Energy Stars when I need service. It is always easy to set up an appointment and everyone in the office is always a joy to talk to! Thank you Energy Stars!!read more
Kim Stegman
Kim Stegman
19:25 29 Oct 19
Darrell was very kind and explanatory when he came to repair our furnace. I appreciated all his tips about cleaning and... maintenance. He got the job done and made sure it was more
Theresa Weisbrod
Theresa Weisbrod
17:24 21 Oct 19
We couldn't have been happier with every aspect of Energy Stars. Brian thoroughly discussed the best ways to insulate... our old house and gave us a detailed quote. Justice and Brandon were polite, friendly and obviously well trained as they worked, and Gene made sure everything went as planned and addressed any questions we had. We highly recommend Energy Stars!read more
M Wall
M Wall
16:48 18 Oct 19
Once again, totally impressed with the professionalism of Darrell and the staff at Energy Stars Heating and Cooling.... They were terrific installing our new system last year and performing the annual furnace maintenance. Darrell is extremely knowledgeable and very respectful of our home. He always wears booties over his shoes to protect our floors and is very careful while in our home. Highly recommend this more
Laura Stumpp
Laura Stumpp
11:21 09 Oct 19
I was extremely pleased with the service Energy Star provided. Everyone I met was very knowledgeable, professional and... courteous - just a pleasure to work with. They explain exactly what was going to happen and made sure I saw all the work that was completed. I highly recommend them!!read more
Kasey Brodeur
Kasey Brodeur
18:35 23 Aug 19
Our ac unit went out yesterday and I called them today at 11am they scheduled an appointment for Hunter to come out at... 1. He showed up right on time and explained all our options for a new one. He was very honest and a knowledgeable on the different types of units and how they would do the job. I signed a contract for them to replace our old unit. I would definitely recommend this company for your needs. Thank you so much for coming in the same day and more
Caleb Fifer
Caleb Fifer
14:47 23 Aug 19
Excellent service technicians. Very knowledgeable and friendly. Will update review after installation of new units.
Sam Lewis
Sam Lewis
15:53 07 Aug 19
Darryl was great and very thorough. We always call Energy stars when we need tune-ups on our equipment. Excellent... service every more
Bill Hancock
Bill Hancock
22:20 24 Jul 19
Had 2 great guys show up this morning little after 8am, took their time made sure everything was right. Energy Stars is... a good reasonable place to go to have your furnace and a/c replaced with reasonable prices. Satisfaction is a 100%! Highly recommended!!!read more
Paul Frost
Paul Frost
16:11 24 Jul 19
These guys are fantastic at what they do. From the get go I recieved a free estimate for work on my home to make my... attic space livable. Within a week they had an excellent service team at my home replacing duct work and improving the insulation in my home. Everyone on their team is friendly, courteous, and knowledgeable. I highly recommend the Energy Stars team to anyone looking for a great deal done by professionals!read more
Marci Armstrong
Marci Armstrong
13:32 15 May 19
I was very happy with my ac tune up and safety inspection. All of the staff was very friendly and helpful. I loved my... experience and would definitely recommend Energy Stars to others!read more
Michael Rotruck
Michael Rotruck
13:22 19 Feb 19
A couple years ago they replaced our furnace and air conditioner and hot water tank. They were quick. Great service.... Neat and clean. Highly recommend this more
Stephen Skelton
Stephen Skelton
01:14 28 Sep 18
Have been using Energy Stars for maintenance for the last couple of years after the purchase of my new heating and... cooling system. I have always been happy with the service I have received. Today I had a different tech than usually comes out. His name was Dave and I have to say he was the most professional and most thorough service provider I have ever experienced. Thanks Dave, I appreciate the work you did at my house today and the excellent service you more
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We Service All of the Metro East & Parts of St. Louis

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