A broken down heating and air conditioning system is not exactly going to be a big help during the harsh winter and summer months. Repair work is the only way you are going to get the system back in order. The trouble for so many, however, is they might not be able to afford the necessary repairs to have the work done.
Conditioned Air Solutions do exist, thankfully, for the financially strapped.
First, you should look for a repair service that offers financing. Financing is, basically, a form of credit. If the bill is, say, $895, you may be able to pay the debt off in monthly installments. Interest is going to be tacked on, but this is going to be the case with any type of loan.
Granted, some might be worried about whether or not their credit is sufficient to be approved for a financing. This might not be as much of an impediment as you would think.
One way to deal with this situation is to make a decent down payment on the bill. This way, the amount of money you have to borrow is less. As such, you do not have to take out a huge loan. Approvals for lower amounts are going to be more common since there is less of a risk to deal with.
Time may be of the essence here.
Cleaning up and improving your credit score is not going to be an option. It is not like you are planning on buying a home a year down the road. You have to get your heating system fixed right away.
Or do you?
If you test out your heating or air system before the harsh whether arrives, fixing things right away is not necessary. You have some time to raise money for repairs or make a down payment.
Hopefully, things will work out.