Home Upgrade Financing

Heating and Air Financing

Stay comfortable year-round with flexible HVAC financing from Oklahoma Central. Whether you need a new system or repairs, we offer options to fit your budget.

• Rates as low as 10.49% APR*
• No payments for two months
• Loan terms up to 84 months
• On-the-spot financing at some HVAC retailers
• Debt Protection available

*APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate subject to change. Rate quoted as of 01/01/26 with up to 84-month financing. A $15,000 loan, at 10.49% APR with 84 monthly payments will be $253 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change.

Storm Shelter & Generator Financing

Protect your home and family with affordable financing for storm shelters and home generators. Oklahoma Central offers flexible options to help you prepare with confidence. 

• 6.99% APR* on Storm Shelters 
• 6.99% APR¹ on Home Generators 
• Flexible loan terms
• Debt Protection available

*APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate subject to change. Rate quoted as of 01/01/26 with up to 60-month financing. A $5,000 loan, at 6.99% APR with 60 monthly payments will be $99 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change.

¹APR is defined as Annual Percentage Rate. Rate subject to credit approval. Rate subject to change. Rate quoted as of 01/01/26 with up to 60-month financing. A $5,000 loan, at 6.99% APR with 60 monthly payments will be $99 per month. Loan fees apply. Loan payments and APR will vary based on loan amount, terms and fees. Other rates and terms available. Rates subject to change.