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Copyright 2016 AC Credit, Inc.

Frequently Asked Questions

Who can apply for credit with AC Credit, Inc.?

AC Credit, Inc. offers credit to Texas property owners for air conditioning and heating equipment through our list of certified dealers.

Why finance with AC Credit?

The AC Credit finance process is fast, competitive, and features offers specifically designed for Texas property owners.

Who do I contact for general questions concerning AC Credit Inc.?

You can contact an AC Credit, Inc. customer service representative at 806-687-8175 or click here to submit questions by e-mail.

How do I apply?

You can either apply online, or fill out an application through your certified dealer. In order to qualify for financing with AC Credit, Inc., the applicant(s) must be listed as the property owner(s) in the county records.

How long does it take to process my credit application?

Once your application is submitted a decision will be made the same day.

What do I do after I have been approved?

You will discuss equipment and installation details with your certified installing dealer. We will provide your certified installing dealer with the necessary contracts for your signature(s).

When is my payment due?

Your first payment is due one month after the install date. This date is listed in the Truth in Lending Disclosures box on your contract. You will receive an invoice by mail each month as a reminder of this payment.

What payment options does AC Credit offer?

1.Automated Payment Program- AC Credit will automatically deduct monthly payments from you checking or savings account. Just complete our ACH enrollment form.

2.By postal mail- Send payments to:
AC Credit, Inc.
P.O. Box 65056
Lubbock, TX 79464
How can I find out my remaining balance on my AC Credit, Inc. account?

Your remaining principal balance will be displayed on your monthly invoice. For a payoff quote, please contact an AC Credit, Inc. customer service representative at 806-687-8175 or click here to e-mail your request.