Your Complete Guide to AC Financing

Smart Solutions
for Affordable Comfort

When it comes to keeping your home cool and comfortable, investing in a new air conditioning system can be a significant expense. However, with the right financing options, you can enjoy a comfortable home without breaking the bank. In this guide, we’ll explore various AC financing solutions, helping you understand your choices and find the best option to fit your budget and needs. Whether you’re upgrading an old unit or installing a new system, this guide will provide you with the essential information to make an informed decision. 

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Government-Approved AC Replacement Program

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Available for restricted communities in Florida, this program allows those who qualify to replace their AC system without having to pay any down payment, with no credit check, and with the first payment due in more than 12 months. This program is available in some parts of Volusia County, Orange County, Marion County, Levy County, and is 100% approved for Osceola County. Here are some pros and cons of this program.

PROS

Fast approval, customized payment structures, not time-restricted.

CONS

Only available for people with credit over 600 and low DTI, payments start right after installation.

Standard Credit-Based Financing

Available to all homeowners in Florida, this credit-based
option is great for people with a credit score of 600 or more. This financing option offers a variety of different payment plans. Those who qualify will be required to make a payment after the new unit has been installed. Here are some pros and cons of this program.

PROS

Fast approval, customized payment structures, not time-restricted.

CONS

Only available for people with credit over 600 and low DTI, payments start right after installation.

Lease-to-Own

Available for all homeowners in Florida, the lease-to-own program is good for people with fair to bad credit scores. Those who qualify will be able to choose their leasing option plan. Since the lease-to-own option is not credit score-based, the leasing company will require access to an active checking account in order to approve the lease. Here are some pros and cons of this program.

PROS

Great alternative for people with bad credit, fast approval, leasing up to 96 months.

CONS

Higher monthly payments, payment options are determined based on the homeowner's ability to pay.

We have helped thousands of homeowners in Florida with their AC replacement financing

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