Financing

Financing

Prime Time Heating & Air – Your Trusted Financing Partner

At Prime Time Heating & Air, we’re dedicated to connecting you with the financing services you need to maintain your heating and air conditioning effectively. Since everyone’s financial situation is different, we offer a range of options to fit your individual needs. Take a look at our financing solutions and choose the one that works best for you.

  • Tailored Solutions
  • Competitive Rates
  • Quick & Hassle-Free Process
  • Trusted Support

Our Financing Partners

AC Credit, INC

Quick & Easy Financing for Heating and AC throughout the state of Texas

For more than a decade, AC Credit has been the trusted financing partner for Texas homeowners upgrading their heating and air conditioning systems. We know that a comfortable home shouldn't come with financing headaches — that's why we've built our reputation on fast approvals, flexible terms, and genuinely friendly service. When it's time to finance your new HVAC system, you can count on us to make it simple.

AC Credit, Inc. will obtain a consumer credit report about the person identified in this application. By clicking "Yes" in the Credit Release Obtained box below, the user providing us with the applicant information represents that (a) the applicant has authorized the user to supply AC Credit, Inc. with such information in this application and (b) the applicant understands that AC Credit, Inc. will obtain a consumer credit report about the applicant in connection with this application.

APPLY NOW

Watercress Financial

Start Your Home Improvement Project Today!

Credit Score: 400 - 620+

You can do more with a home improvement loan from Watercress Financial! Our low monthly payments allow you to complete the project you want or need without squeezing your monthly budget.

With extended repayment terms up to 15 years, low interest rates, and no prepayment penalties, you have more flexibility in planning and paying for your home improvement project.

Your rate will be based on your credit history. Subject to qualifying credit approval.

  • Quick & easy online application.
  • Options for those with excellent to fair credit.
  • Monthly payments to fit your budget.
  • Pre-pay your loan at any time.
  • Reliable customer support.

APPLY NOW

Breeze

Making Home Improvement Easy

Credit Score: 400 - 620+

Breeze is your hassle-free financing solution, designed to make payments more manageable and accessible. Whether you’re making a big purchase, handling unexpected expenses, or simply looking for a flexible payment option, Breeze ensures a seamless experience from start to finish.

With a fast approval process, transparent terms, and flexible payment plans, Breeze empowers you to move forward confidently without financial stress. Our goal is to provide a financing option that works for you—without complicated paperwork or hidden fees.

Does not require a credit check!

  • Flexible Payment Plans
  • Quick Approvals
  • Transparent Terms
  • Great for Low-credit borrowers
  • Easy Online Application
  • Dedicated Support

APPLY NOW

Contact us today to request a free quote, get information, or ask for professional advice: (817) 383-2493.

Why Choose Prime Time Heating & Air?

Building Relationships that Last Beyond the Service Call
  • We Build Relationships for Life
    We believe in earning our customers' trust for the long term. Through honest recommendations, transparent communication, and dependable service, we strive to become your HVAC partner for years to come.
  • Over 35 Years of HVAC Experience
    With more than three decades of industry experience, we have the knowledge and expertise to handle everything from routine maintenance to complex HVAC installations and repairs.
  • Free Quotes & Honest Recommendations
    We provide free estimates and straightforward guidance so you can make informed decisions without pressure or surprises.
  • Flexible Financing Options Available
    We offer access to multiple financing solutions, helping homeowners and businesses get the comfort they need with payment options that fit their budget.
  • Emergency Service When You Need It Most
    Heating and cooling issues don't always happen during business hours. Our team is available to respond quickly when urgent HVAC problems arise, helping restore comfort as soon as possible.
  • Available for You on Weekends
    We understand that weekdays aren't always convenient. That's why we offer weekend service options to better accommodate your schedule and minimize disruptions to your home or business.

Answers From HVAC Professionals

Explore Answers to The Questions We Hear Most Often

Have questions? We are here to help. Still have questions or can't find the answer you need? Give us a call at 817-383-2493 today!

  • Do you have maintenance plans available?
    Yes, we do. We have a variety of plans to best suit the needs of your home or business. Visit our Membership Plans page to learn more.
  • Do you handle heating issues like furnace repair?
    Yes — furnace repair, regular heating maintenance, and full heating system repairs or replacements are all part of what we do as an AC company that’s equally skilled in heating.
  • Will you inspect and repair ductwork, too?
    Yes, duct work is one of our specialties. We can diagnose leaks, restrict airflow, and make modifications to improve system efficiency and indoor air quality.
  • What if my air conditioner breaks down in the middle of summer?
    We respond promptly to HVAC repair calls. Whether you need emergency AC repair or a routine AC service check, our team is ready to restore your comfort quickly.
  • Can I finance my HVAC work?
    Absolutely. We provide great financing options to help spread the cost of installations, major repairs, or upgrades over time.

Ready for Reliable HVAC Solutions?

Request a Free Quote

Whether you need repairs, maintenance, or a new system, we're ready to help.

  • Please enter your first name.
  • Please enter your last name.
  • Please enter your phone number.
    This isn't a valid phone number.
  • Please enter your email address.
    This isn't a valid email address.
  • Please lookup your address.
  • Please make a selection.
  • Please enter a message.
  • By submitting, you agree to receive text messages from Prime Time Heating & Air at the number provided, including those related to your inquiry, follow-ups, and review requests, via automated technology. Consent is not a condition of purchase. Msg & data rates may apply. Msg frequency may vary. Reply STOP to cancel or HELP for assistance. Acceptable Use Policy

Real Experiences from Real Customers

Customer satisfaction is at the heart of everything we do. From emergency repairs to new installations, our customers know they can count on us.

    “Honest, professional, and reliable.”
    “Marco is the man! He showed up on time when we really needed help and took the time to explain his entire process step by step. He went over what was happening with our A/C in detail and made sure we fully understood everything before moving forward.”
    - Will Z.
    “The experience from start to end was 5 stars.”
    “I really appreciated how they communicated throughout the process and carefully walked through all the options for fixing the issue. You can tell this is a family owned businesses that is doing things the right way. I will definitely be hiring them again.”
    - Travis G.
    “Prime Time was nothing short of awesome!”
    “They were professional, thorough, efficient and communicative during the installation. Prices were competitive.”
    - Noelle L.
    “Marco and the Prime Time team were awesome.”
    “We had them out for an AC repair on a complicated system and although there were a couple challenges, they were able to get it figured out while providing updates along the way.”
    - Jason S.
    “Very courteous professionals.”
    “They were quiet and polite. Highly recommended. I use them for my business and my home.”
    - Gab H.
    “Would give them 10 stars if I could.”
    “I will only call on this company going forward. From the dispatcher to the tech, great to deal with when you having a bad time. Totally recommend them.”
    - Bobbi E.
    “Definitely recommend!”
    “I highly recommend Joseph Estrada! On the initial visit to inspect my a/c unit he was very thorough and professional. He provided recommendations for an air purifier amongst some other items I needed to address.”
    - April L.
    “I can't say enough great things about this company!”
    “Tony gave me some great recommendations and now we will be using them for our maintenance for our heating and air also! Great prices and very knowledgeable HVAC techs!”
    - Dana L.