What If I Want to Pay It Off Early?
The Early Purchase Option is the single most important feature of a Breeze lease. Paid off within the EPO window, your total cost is near the cash price of the equipment.
Breeze's lowest-cost path to ownership is the Early Purchase Option (EPO). In most Breeze agreements, if you pay off the entire lease balance within the EPO window (typically 100 days from delivery), you pay a discounted buyout amount that is substantially lower than the total of scheduled payments over the full term.
The specific EPO pricing, window length, and any applicable fees are set by Breeze and will be disclosed in your signed lease agreement. In general, the closer you pay off to day one, the closer the total cost is to the cash price of the equipment. Paying the full term results in the highest total cost.
Past the EPO window, you can still buy out the lease at any time — the payoff amount shown on your monthly statement is always less than the sum of remaining scheduled payments, with no prepayment penalty. For an exact payoff quote, call Breeze customer service or log into your Breeze account portal.
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.
