What States Does Breeze Cover?
Breeze is available in most U.S. states. Furnace Direct offers it to our Southwest Florida customers; everywhere else, we route you to Affirm or Shop Pay.
Breeze operates as a lease-to-own platform under state consumer-finance regulations, which vary by state. Some states restrict or prohibit specific lease-to-own structures, so the exact list of supported states can change. Eligibility is confirmed in real time during your application — if your state is restricted, you'll be notified before signing anything.
For Furnace Direct, Breeze is set up specifically for our Southwest Florida market: Cape Coral, Fort Myers, Naples, Punta Gorda, Sarasota, Bradenton, Bonita Springs, Estero, Lehigh Acres, Port Charlotte, North Port, and the surrounding communities in Lee, Collier, Charlotte, Sarasota, and Manatee counties.
If you're shopping us from Minnesota or North Carolina, our Breeze account does not cover your location. Affirm and Shop Pay Installments are built into our checkout and work nationwide, with either a 4-payment split (interest-free on eligible orders) or a longer-term Affirm loan (subject to a soft credit check and Affirm's APR disclosures). See our financing page for all options.
This is a lease, not a loan.
Breeze agreements are consumer lease-purchase (rent-to-own) contracts offered by Breeze Lease Purchase, an independent third-party lease provider. Furnace Direct is the equipment retailer and is not a lender or financial-services provider. Final approval, lease terms, payment schedule, and all fees are determined solely by Breeze based on the agreement you sign.
Total cost exceeds cash price.
If you complete all scheduled lease payments through the full term, the total amount paid will be greater than the cash price of the equipment. The Early Purchase Option (typically 100 days from delivery) is the lowest-cost path to ownership. Exact buyout amounts are disclosed in your signed lease and shown on your monthly statement.
Approval not guaranteed.
All lease applications are subject to Breeze approval based on their qualification criteria, which may include banking activity, income verification, and residence in an eligible state. Furnace Direct cannot guarantee approval, specific lease terms, or a specific approval amount. Any payment estimates shown on this site are illustrative; your actual payment schedule will be disclosed by Breeze before you sign.
Your right to cancel.
You may return the leased equipment and end the agreement without further payment obligation. Specific cancellation windows, return logistics, and any applicable fees are set by Breeze in your signed lease agreement. Separately, if your transaction is a secured home-improvement loan (not a Breeze lease), federal law (Truth in Lending Act, Regulation Z) provides a three-business-day right of rescission from the date of signing.
