About Us

AC Credit, Inc. was founded in 2005 and is headquartered in Lubbock, TX. We are a specialty lender that focuses solely on financing central air conditioning and heating equipment to Texas homeowners. We saw a need for financing when it came to the high cost of purchasing a new HVAC system and created a solution to provide homeowners low monthly payments through financing. Our team has over 45 years of experience in the financing industry and has been able to help thousands of homeowners throughout the state of Texas with their heating and air conditioning needs.

Take Comfort in Good Credit is not just our motto it is what we believe in. We back that statement up by offering competitive financing rates through our authorized dealer network that offers Carrier, Bryant, Payne, Day & Night and Mitsubishi air conditioning and heating products.

At AC Credit we still believe in the personal touch, which is why you’ll never be asked to call a toll free number that is answered by a computer. We have knowledgeable and friendly staff that will make the financing process hassle free with no wasted time.

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AC CREDIT, INC.

P.O. BOX 65056
LUBBOCK, TX 79464

(806) 687-8175