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95% Approval Rate!

Pacific Heating and Air Conditioning payment options allow you to take care of emergency repairs or, just make that long desired improvement without draining your savings or maxing out your credit cards.

You’ll enjoy a low, fixed-rate loan that is unsecured and requires no additional collateral. 

Our unique finance options allow you to keep your home equity intact and provide you a quick, streamlined and hassle-free loan experience.

Experience the unique benefits of our home improvement finance options:

  • Unsecured loans — No liens on your property - ever - while enjoying low, fixed rates for the life of the loan!
  • Simple, Fast & Paperless — Simply provide basic credit information above or over the phone for instant approvals in a matter of minutes.
  • No Document Requirements — No bank statements, No tax returns, No W-2's & No multi-page loan documents to sign.
  • Over 50 lenders are considered for every loan to assure you get the best deal out there.
  • Many different Payment Options — from short term 0% interest "same as cash" financing to loan repayment terms up to 30 years. Whatever your budget, we have an option for you.