What Breeze Lease Purchase is
Breeze describes itself as a division of Okinus Credit Solutions, serving the U.S. from its Georgia home office since 2004. It focuses on equipment a contractor installs in your home, rather than items you take home from a store.
Heating and cooling
Air conditioners, furnaces, heat pumps and boilers.
Water heaters
Traditional and tankless water heaters.
Major parts
Replacement parts such as heat exchangers and evaporator coils.
Separately licensed
Breeze holds its own rent-to-own license in Oklahoma (RTO08048).
Sources: Breeze Lease Purchase; Rent-to-Own License Roster (as of Oct. 1, 2026)
How it works
- Your HVAC or plumbing contractor quotes the job and sends you the Breeze application. Breeze says it takes under a minute and can start from a QR code.
- If approved, the contractor creates the lease-purchase contract for you to review and sign.
- The equipment is installed, and Breeze funds the contractor. Breeze says funding can take as little as 3 days.
- You make fixed monthly payments for the life of the lease, or buy early under your agreement’s terms.
Source: Breeze Lease Purchase
Breeze vs. a standard Okinus lease
| Breeze Lease Purchase | Okinus | |
|---|---|---|
| Covers | HVAC equipment and water heaters | Furniture, appliances, electronics, jewelry, tires, mattresses |
| Apply through | An HVAC or plumbing contractor | A participating retailer |
| Approvals | $9,000 – $18,000 | Typical maximum about $8,000 |
| Terms | Water heaters up to 48 months | Up to 24 months |
| Not available in | NJ, HI, AK, WI | Not all states (list not published) |
Sources: Breeze Lease Purchase; Okinus: Consumer FAQs
Credit checks and costs
Breeze says it doesn’t use hard credit checks or require a large down payment. That doesn’t mean no information is checked, and it doesn’t make the lease cheap: as with any lease-to-own agreement, the total of your payments will usually be more than the contractor’s cash price.
Breeze also offers an optional service plan and a Loss Damage Waiver. Ask how each changes your monthly payment. See Care Plus and LDW explained.
Sources: Breeze Lease Purchase; FTC testimony on the rent-to-own industry
Other ways to pay for HVAC
Contractor financing
Many contractors offer their own financing or payment plans. Compare the APR and total cost with the lease.
A personal loan
A loan gives you cash for any contractor, with a fixed APR. How personal loans work.
Utility rebates
Utilities and energy programs sometimes offer rebates on efficient equipment. Ask your contractor.
Common questions
Is Breeze Lease part of Okinus?
Yes. Breeze Lease Purchase says it is a division of Okinus Credit Solutions.
Source: Breeze Lease PurchaseHow much can Breeze Lease approve?
Breeze says homeowners can get approvals ranging from $9,000 to $18,000.
Source: Breeze Lease PurchaseHow long is a Breeze lease?
Breeze says water heater payments can be spread over up to 48 months. Terms for other equipment are set in your agreement.
Source: Breeze Lease PurchaseWhere is Breeze Lease not available?
Breeze lists New Jersey, Hawaii, Alaska and Wisconsin as excluded states.
Source: Breeze Lease PurchaseHow do I contact Breeze Lease?
Breeze lists its phone number as (855) 330-3959 and its email as [email protected].
Source: Breeze Lease PurchaseSources
Checked October 14, 2026
- Breeze Lease Purchase, Breeze Lease Purchase (a division of Okinus Credit Solutions). Checked October 14, 2026.
- Rent-to-Own License Roster (as of Oct. 1, 2026), Oklahoma Department of Consumer Credit. Checked October 14, 2026.
- Consumer FAQs, Okinus Credit Solutions. Checked October 14, 2026.
- FTC testimony on the rent-to-own industry, Federal Trade Commission. Checked October 14, 2026.