HVAC Financing Made Simple
Don't let budget hold you back from staying comfortable. FL Cooling partners with FTL Finance to offer flexible payment plans for AC installations, replacements, and major repairs.
Smart Reasons to Finance Your HVAC Project
Financing isn't just for those without cash—it's a smart financial strategy for any homeowner.
Keep Cash for Emergencies
Preserve your savings for unexpected expenses while enjoying a new, efficient system now.
Lower Energy Bills
A new efficient system can lower monthly bills—often offsetting your payment.
Avoid Costly Repairs
Stop throwing money at an old system. Finance a new one and end the repair cycle.
Manageable Payments
Break a large expense into affordable monthly payments that fit your budget.
Act Now, Pay Later
Don't suffer through another hot summer. Get comfort now with flexible terms.
Increase Home Value
A new HVAC system adds value to your home and appeals to future buyers.
Powered by FTL Finance
FL Cooling has partnered with FTL Finance, one of the most trusted names in home improvement financing since 1996. With FTL, you get:
- ✅ Quick Credit Decisions – Know if you're approved in minutes
- ✅ Competitive Rates – First & second look approvals available
- ✅ FICO Scores as Low as 600 – Options for various credit situations
- ✅ No Money Down Options – Get started without upfront costs
- ✅ Low Monthly Payments – Plans customers love
- ✅ Simple Application – Fast and easy process
"Home Improved. Finance Simplified."
Trusted by thousands of contractors nationwide since 1996
What Can You Finance?
From complete system replacements to major repairs, we have financing options to fit your needs.
*Monthly payment estimates based on approved credit. Actual terms may vary. Contact us for a personalized quote.
How Financing Works
Getting approved is quick and easy—often in just minutes.
Get Your Quote
We'll assess your needs and provide a detailed quote for your HVAC project.
Apply for Financing
Quick application with instant credit decision. Know your options in minutes.
Choose Your Plan
Select the payment plan that best fits your budget and lifestyle.
Enjoy Comfort
We install your system and you start enjoying comfort with easy monthly payments.
Financing Inquiry
Fill out this form and we'll contact you to discuss your financing options. No obligation, no credit check required for this inquiry.
Financing FAQ
What credit score do I need?
FTL Finance considers FICO scores as low as 600. Even if you've been turned down elsewhere, you may still qualify with our financing options.
Is there a down payment required?
We offer $0 down payment options for qualified applicants. The amount may vary based on credit approval and project size.
How long does approval take?
Most applications receive an instant credit decision. You'll typically know if you're approved within minutes of applying.
Can I pay off early?
Yes! FTL Finance does not charge prepayment penalties. You can pay off your balance early without extra fees.
What can I finance?
AC replacements, heat pumps, ductless systems, major repairs, and full HVAC installations are all eligible for financing.
Does applying affect my credit?
The initial inquiry is a soft pull that doesn't impact your credit score. A hard inquiry only occurs if you proceed with financing.
Ready to Get Comfortable?
Don't let budget concerns keep you from the comfort you deserve. Contact FL Cooling today to explore your financing options.