Choose the financing option that works for you
Compare flexible payment options at checkout and choose the plan that best fits your budget and timeline. For larger HVAC purchases, starting with the PayTomorrow application is often the smartest option because it helps present the financing paths you may qualify for.
How Financing Works
- Apply through PayTomorrow:
Complete a quick application to check your eligibility. - Review your available options:
See financing paths you may qualify for, including monthly plans or lease-to-own. - Choose what fits your budget:
Select the option that works best and complete checkout.
- No hard credit pull with PayTomorrow prequalification
- Flexible financing paths for a wide range of credit profiles
- Longer-term structured financing for larger system purchases
- Fast checkout options also available with Shop Pay and Klarna
PayTomorrow
Structured monthly financing
A strong choice for larger HVAC purchases, longer terms, and customers looking for a more traditional financing experience.
Bread Pay
Best for stronger credit
Typically best for customers with stronger credit profiles who are looking for competitive financing terms.
Breeze
Lease-to-own flexibility
A practical path for customers with no credit or credit challenges who still need a system now.
Also available at checkout
Shop Pay Installments and Klarna are also available for customers who prefer faster short-term payment options.
How to use Shop Pay Installments at checkout
Use Shop Pay to split your purchase into payments during checkout. It is one of the fastest ways to complete an order with installment options.
Add products to your cart
Shop as usual and add the items you want to purchase.
Proceed to Shopify checkout
Click your cart and continue to the secure checkout page.
Choose Shop Pay Installments if available
Eligible customers may see Shop Pay installment options during checkout and can select the plan that fits their budget.
If Shopify pushes you directly into Shop Pay login, use guest checkout when possible so you can review the full set of financing and payment options available at checkout.
How Klarna works at checkout
Klarna gives eligible customers another flexible way to pay later during checkout, with options that may include pay-in-4 or monthly plans.
Add your products
Add the system, accessories, or replacement parts you want to purchase to your cart.
Continue through checkout
Proceed through checkout and review the payment methods available for your order.
Select Klarna if available
If Klarna is offered for your order, you can choose the option that best fits your budget and timeline.
If Shopify tries to move you into an accelerated checkout flow too early, continue as a guest when possible so you can review the available financing and payment options more clearly.