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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.

Energy Stars Star

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.

Energy Stars Star

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

We Service All of the Metro East & Parts of St. Louis

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