What If I Lose My Job or Can't Pay?
Because Breeze is a lease and not a loan, you have real options if your financial situation changes — including the right to return the equipment and end the agreement.
The lease structure exists specifically so customers aren't trapped when life happens. If your income drops or a major expense lands, you have a few legitimate paths, all of which are better than simply missing payments.
Return the equipment. Because title has not yet transferred, you can return the leased equipment to Breeze and end the agreement. You forfeit the payments you've already made, but you are not obligated for the remaining scheduled payments. Specific return terms — timing, condition expectations, pickup logistics, and any applicable fees — are governed by your signed Breeze agreement.
Request a deferral. For temporary hardship, Breeze will often work with you to skip a payment and extend it to the end of the term. Call Breeze customer service before the due date, not after — acting proactively avoids late fees.
Restructure the term. If your income has changed long-term, Breeze may be able to extend the schedule to reduce the monthly amount. The total cost typically increases, but the monthly burden decreases.
The worst outcome is missing payments without contacting Breeze. Unanswered delinquency can trigger late fees and eventually repossession. A phone call to Breeze customer service at 1-800-472-0951 protects you.
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.
