Is This Financing or a Lease?
Short version: it's a lease-to-own agreement. You use the equipment while you pay for it, and once the final lease payment clears, title transfers to you.
Breeze is a lease-to-own contract, also called rent-to-own (RTO), not traditional financing or a bank loan. That distinction is important for how the agreement works and how it's regulated.
With a traditional loan (Affirm, a bank, a credit card), you're taking on debt. The purchase is reported to the credit bureaus, a hard credit inquiry typically drops your score a few points, and the monthly payment reflects principal plus interest. With a Breeze lease, the structure is different: Breeze buys the equipment from Furnace Direct, you lease it from Breeze, and title transfers to you after you complete the payment schedule (or exercise the Early Purchase Option).
The tradeoff: if you carry the lease to full term, the total amount paid will be greater than the cash price of the equipment. That's how Breeze makes money — they carry the ownership risk during the lease term. The Early Purchase Option (typically within 100 days of delivery) is the lowest-cost path to ownership and should be the default plan for anyone who can front the cash within that window.
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.
