Many HVAC companies offer financing, but it is important to understand your options before making a decision. Unsecured loans will typically require strong credit scores to be eligible for competitive interest rates. Many unsecured loans also have relatively short repayment periods, leading to higher monthly repayment costs. PACE offers long terms and competitive rates, on top of no credit check HVAC financing. This makes PACE a great option for HVAC upgrades and replacements.