Flexible Financing Options
Don't let cost stand between you and a comfortable home. We offer multiple financing options to fit your budget — with approvals as fast as the same day.
A new AC system is one of the biggest investments in your home — and in Florida, it's not optional. We partner with four trusted lenders so you can choose the financing that works best for your situation. Not sure which is right for you? Call us and we'll help you figure it out.
📞 Call 941-876-3788 — We'll Help You ChooseOur Financing Partners
FTL Finance
Home improvement financing, simplified
FTL Finance helps thousands of contractors and homeowners handle home services expenses the smart way. With a quick application process and flexible terms, FTL makes it easy to get the HVAC work you need done — without breaking the bank. Apply directly through our dedicated link below.
- ✓Fast, easy online application
- ✓Flexible repayment terms
- ✓Designed for home services & HVAC
- ✓Trusted by contractors nationwide
- ✓Secure application process
Opens lender's secure application
Synchrony Financial
The most flexible option for most homeowners
Synchrony is one of the nation's largest consumer financing companies. With promotional 0% interest periods and flexible monthly payment options, it's a great fit for AC repairs, installations, and upgrades.
- ✓0% interest promotional periods available
- ✓Fast approval — often same day
- ✓Flexible monthly payment plans
- ✓Use for repairs, installs, and IAQ upgrades
- ✓Manage your account online
Scan to apply on your phone
Ygrene Energy Fund
PACE financing — no credit score required
Ygrene offers Property Assessed Clean Energy (PACE) financing, which is repaid through your property taxes — not a monthly bill. It's an excellent option for homeowners who want to upgrade to a more energy-efficient system with no upfront cost.
- ✓No credit score required
- ✓Repaid through property tax assessment
- ✓100% financing — no money down
- ✓Ideal for high-efficiency system upgrades
- ✓Long repayment terms available
Opens lender's secure application
Wisetack
Simple, transparent patient-style financing
Wisetack offers straightforward consumer financing with a quick online application. You'll see your options in seconds with no hard credit pull to check rates. Great for repairs and mid-range installs.
- ✓Soft credit check to see your rates
- ✓No prepayment penalties
- ✓Transparent terms — no hidden fees
- ✓Quick online application
- ✓Multiple loan term options
Opens lender's secure application
Financing FAQs
Which financing option is right for me?
It depends on your situation. FTL Finance and Synchrony are the most flexible for most homeowners. Ygrene is ideal if you have credit challenges or want to finance through your property taxes. Wisetack is great for quick approvals on smaller jobs. Call us and we'll help you decide.
Can I apply before my appointment?
Yes! You can apply with any of our lenders before we arrive. This can speed up the process so we can get started on your job right away.
What can I finance?
You can finance new AC installations, system replacements, indoor air quality upgrades, duct cleaning, and major repairs. Ask us about financing options for your specific job.
Is there a minimum amount to finance?
Each lender has different minimums. Generally, financing makes the most sense for jobs over $1,000. For smaller repairs, we also accept all major credit cards.
Will applying affect my credit score?
Wisetack uses a soft credit check to show you rates — no impact on your score. Synchrony, FTL Finance, and Ygrene may use a hard pull when you formally apply. Check with each lender for details.
Ready to Get Comfortable?
Call us today and we'll walk you through your financing options — no pressure, just honest answers.