HVAC Financing in Florida
That Works for You
A new AC system is one of the most important investments you'll make in your Florida home. We partner with Hearth and other trusted lenders so you can choose the payment plan that fits your budget.
No hard credit pull to check your rates — takes less than 2 minutes
Which Hearth Option Is Right for You?
Hearth offers three types of financing to fit different credit profiles and project sizes. One application — multiple options.
Personal Loans
Best for most customers — 17 lenders competing for you
- Min. Credit Score550+
- Job Size$1,000 – $100,000
- Funding Timeline1–3 business days
- Interest RateStarting at 6.99% APR
- Term Length2 – 12 years
- Prepayment PenaltyNone
0% Credit Cards
Zero interest for up to 21 months — great for shorter payoff plans
- Min. Credit Score680+
- Job SizeUp to $15,000
- Funding Timeline5–7 business days (or digital wallet)
- Interest Rate0% APR
- Term Length12 – 21 months
- Prepayment PenaltyNone
HELOC
Home equity line of credit — largest amounts & longest terms via Aven
- Min. Credit Score620+
- Job SizeUp to $400,000
- Funding Timeline3–7 business days
- Interest RateStarting at 6.99% APR
- Term Length5 – 30 years
- Prepayment PenaltyNone
Checking your rate does not affect your credit score
How HVAC Financing Works in Florida
From estimate to installed — most customers are up and running within 24–48 hours.
1
Get Your Estimate
Request a free in-home estimate or use our Instant Estimate tool online. We'll recommend the right system for your home and budget.
2
Choose a Financing Option
We'll walk you through all available financing options during your estimate. We recommend the option that best fits your situation.
3
Apply in Minutes
Most applications take less than 5 minutes and can be completed on your phone. Many lenders give same-day decisions.
4
Get Installed — Pay Over Time
Once approved, we schedule your installation immediately. Enjoy a comfortable home while making affordable monthly payments.
Our Lending Partners
We work with multiple financing options so there's always a path forward — regardless of your credit situation.
Synchrony Financing
America's leading home services financing. Flexible payment plans and promotional options — apply in minutes.
APPLY WITH SYNCHRONYHearth
Our preferred financing partner — fast, flexible, and customer-friendly
Hearth is our #1 recommended financing option. With a quick online application, multiple loan options, and no hard credit pull to check your rates, Hearth makes it easy to get the AC system you need without the stress.
- Check rates with no hard credit pull
- 0% promotional APR options available
- Loan amounts from $1,000 to $100,000
- Terms from 12 to 120 months
- 100% online — apply in minutes from your phone
- Same-day decisions for most applicants
- No prepayment penalties
FTL Finance
Home improvement lending — competitive rates up to 10 years
FTL Finance specializes in home improvement lending with competitive fixed rates and long terms. A strong option for customers who prefer a traditional loan structure.
- Same-day credit decisions
- Terms from 12 to 120 months
- Competitive fixed interest rates
- No prepayment penalties
- Loans from $1,000 to $65,000
- Available for residential customers
RTO National
Rent-to-own — no credit required
RTO National is a rent-to-own program for customers who may not qualify for traditional financing. No credit check required. Own your system outright at the end of your term, or return it at any time.
- No credit check — everyone qualifies
- No long-term contract commitment
- Early buyout options available
- Return the equipment at any time
- Covers equipment and installation
- Weekly or monthly payment options
Synchrony
America's leading home services financing — trusted by millions
Synchrony is one of the most recognized financing brands in home services. With flexible payment plans and a simple application process, Synchrony makes it easy to get the system you need today and pay over time.
- Widely accepted — trusted nationwide
- Flexible payment plans available
- Promotional financing options
- Simple online application
- Dedicated home services credit
- Quick credit decisions
Local Bank Partner
Community banking — personal service
We work with a trusted local bank partner to offer traditional personal loans for HVAC projects. If you prefer working with a community bank over a national lender, ask us for a referral during your estimate.
- Community bank — local decision making
- Personal loan products available
- May offer better rates for strong credit
- Relationship banking — talk to a real person
- Available in Collier & Hernando County
- Ask us for a direct referral
Common Florida HVAC Financing Questions
Do I need good credit to qualify?
Not necessarily. Hearth works with a range of credit profiles and checking your rate has no impact on your credit score. RTO National requires no credit check at all. Keep in mind that your debt-to-income ratio can also affect approval — lenders look at how your monthly debt compares to your income, so a lower ratio improves your chances of qualifying for better terms.
How much can I finance?
Hearth offers loans up to $100,000 — more than enough for a complete whole-home HVAC replacement. FTL Finance goes up to $65,000. RTO National covers typical residential system costs.
Is there a 0% interest option?
Yes. Hearth offers 0% APR promotional plans for qualified customers on shorter terms. Ask us about current promotional offers when you request your estimate.
How long does it take to get approved?
Hearth and FTL Finance typically give same-day decisions. RTO National approves everyone immediately — no waiting. Local bank partner timelines vary based on the loan type.
Can I pay off early?
Hearth and FTL Finance have no prepayment penalties — pay it off whenever you want. RTO National has early buyout options. Ask your lender for full terms before signing.
Ready to Get Pre-Qualified?
Call us and we'll walk you through your options during a free in-home estimate. No pressure — just the facts.