Washington Homeowners: Enjoy Comfortable Savings

Pay less each month while using your new system.


Woman with HVAC contractor outside

How It Works

Get started with your HVAC (Heating, Ventilation & Air Conditioning) equipment replacement in these six easy steps.

  • HVAC installer working on pump

    Select an HVAC installer

    Choose an installer you want to work with and let them know you want to finance the project through ezHVACLoan.

  • couple on computer applying for a loan at home

    Apply for a loan

    You can apply for financing anytime, before or after you receive your contractor’s bid.

  • couple celebrating loan approval

    Get Approved

    We provide most loan decisions within a few days.

  • couple e-signing documents

    E-Sign Documents

    Electronic documents sent to your email address.

  • HVAC being installed

    Start Installation

    We’ll issue funds directly to your installer, per the terms of the contract.

  • mother and daughter enjoying the comfort of HVAC system

    Enjoy your System!

    Sign a certificate of completion and we’ll send any remaining funds due to your installer. Done!

Get warm. Get cool. Get financing.

We’ll finance your entire heating and cooling loan project, starting with a painless and quick online application process. With low interest rates and a variety of term lengths, we have the right financing solution for your HVAC project!

  • No out-of-pocket costs

    Finance your whole project

  • No hidden fees

    No origination fees, no penalties for early repayment

  • Instant approvals

    Get approved, get installed

  • No home equity required

    No appraisal, no delays, no hassles

But that’s not all…

When you finance your HVAC system with us, you’re not just a customer. You’re a member-owner of a cooperative, local, not-for-profit institution.

Align your values

We know you care about keeping your family healthy and comfortable, and we bet you care about your community, too. You can feel good about getting financing from an institution that invests in the community it serves.

Reap more rewards

Our profits don’t line the pockets of shareholders, or fund big oil pipelines. We return our profits to you, our member-owners. Meeting your needs and exceeding your expectations is our #1 priority.

Compare your loan options

  • Best for borrowers who want to:

    Best for borrowers who want to:
  • No Prepayment Penalty

    No Prepayment Penalty
  • Fixed Interest Rate

    Fixed Interest Rate
  • APR

  • Term

  • Instant Approvals

    Instant Approvals

5-Year Loan

  • Best for borrowers who want to:

    Save money by paying the lowest total interest
  • No Prepayment Penalty

  • Fixed Interest Rate

  • APR

    As low as 9.49%
  • Term

    60 months
  • Instant Approvals

    Up to $50k

7-Year Loan

  • Best for borrowers who want to:

    Lock in a low rate and make low monthly payments
  • No Prepayment Penalty

  • Fixed Interest Rate

  • APR

    As low as 9.74%
  • Term

    84 months
  • Instant Approvals

    Up to $50k

10-Year Loan

  • Best for borrowers who want to:

    Make the lowest monthly payment available
  • No Prepayment Penalty

  • Fixed Interest Rate

  • APR

    As low as 9.99%
  • Term

    120 months
  • Instant Approvals

    Up to $50k

We found Community 1st to have the best loan packages that were flexible and still at great rates. Very highly recommended and easy to work with.

— Ryan and Tia R., Battle Ground, WA

See what you can save

Learn more details about our loan options

Energy Improvement Loans finance qualifying energy efficiency projects such as HVAC (heating, ventilation and air conditioning) systems, solar energy systems and windows.  If combined with qualifying equipment, you can apply up to 50% of the cost to energy efficiency performance upgrades such as insulation, air sealing and duct sealing.

Energy Improvement Loan


APR as low as


5 years

APR as low as



7 years

APR as low as



10 years

APR as low as



You will need the following to complete your application:

  • Everyone with an ownership interest in the home must be included in the application
  • Requested loan amount
  • Desired term length
  • Contact, employment, and income information for all applicants and authorization for a credit inquiry
  • Name of HVAC installation company
  • Verification of income if requested

After the application is approved, but before it is funded, you will also need to provide the following:

  • Color copy or scan of your ID
  • E-signature on loan documents

You must become a member of Community 1st Credit Union. HVAC loans from ezHVACLoan are only available to residents of the state of Washington.

No, our loans do not require you to have an appraisal or pay the associated cost.

We’ve designed the process so that you should be able to complete the online or mobile application in about five minutes. Depending on the dollar amount you are requesting and other factors, we may need to request additional items. The quicker you can provide them, the quicker we can keep moving!

You will see a confirmation right away on your screen that we have received your application. Some well-qualified borrowers will receive an instant approval on your screen. Typically, we will respond within a few days to ask for additional information or provide a loan decision.

Yes! There is no pre-payment penalty.

There are no fees, but there are a couple of costs you should be aware of.

We file a UCC-1 on your equipment at the county where you live and the state of Washington.  This is essentially a lien on the equipment.  The cost varies across the state but is often between $300 – $375.  We will pass along that cost by adding it to the project cost in the total loan amount.  Therefore, you do not need to pay for it upfront.

We also add $5 to the loan amount to open a membership account for you at the credit union.

No, we will file a UCC and Fixture filing on the HVAC equipment only. This will show up on a property title search, but it is not a deed of trust — our loans are not a second mortgage and are not secured by the home. Our collateral is the HVAC equipment.

Get Started Today

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ezHVACLoan/Community 1st Credit Union (C1CU) and third parties, including installers, are independent entities, and not agents, representatives, or legal partners of each other. No relationship exists to create any association, franchise, agency, partnership, joint venture, employment or other special relationship between these entities. No third party is granted any express or implied right to enter into any agreement of any kind for or on behalf of, incur any obligation or liability of, or other otherwise bind, C1CU or any third party.

Loans are subject to credit approval. Rates are based on borrower’s credit score, loan term, and loan program. All programs subject to change without notice.

Community 1st Credit Union; Generations, A Division of Community 1st Credit Union

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