Your AC quit in August.
Let's get it replaced by Thursday.

No. Pre-approval uses a soft inquiry, which other lenders can't see and which cannot lower your score. A hard pull only happens if you choose to move forward with a specific offer, and we tell you before it happens.

Yes. We work with second-look lenders built specifically for scores under 620, and many of them still approve with no money down. Rate and term will reflect the risk, but a low score is not a wall — it's a routing question. We route you to the lender most likely to say yes.

Yes. Lease-to-own and Florida PACE programs evaluate your home, income, and property tax standing instead of pulling a traditional credit file. PACE in particular attaches the cost to your property tax assessment rather than to you personally, which is why it can work when nothing else does. Both come with tradeoffs we'll walk you through honestly.

Yes, and it's the most common call we get. A decline is one lender's opinion under one set of rules. We submit to a network of thirty-plus with different underwriting criteria, including programs that don't check credit at all.

There isn't one here. Our network spans no-score and sub-580 programs through 0% promotional offers for 740+. What changes across that range isn't whether you can get financed, it's which lender and on what terms.

Systems typically run $6,000 to $14,000 installed, depending on tonnage, SEER2 efficiency rating, and ductwork condition. Financed over five to twelve years, that lands most homeowners in a manageable monthly range — but we'll always show you total cost over the full term alongside the monthly figure, because those two numbers tell very different stories.

Usually not — we prioritize zero-down programs. Some lenders require a deposit depending on the file. If that's the case for you, we'll say so before you commit to anything.

A loan means you own the system outright and the debt is yours. A lease means the finance company owns the equipment while you make payments, often with a buyout at the end. Leases approve more easily and are sometimes the right call with thin credit, but they usually cost more over the life of the agreement and can complicate a home sale. Most contractors won't volunteer this distinction. We lead with it.

On most of our loan programs, yes, with no prepayment penalty — which is a meaningful advantage if you plan to sell or refinance. Lease agreements handle early payoff differently. Ask before you sign and we'll tell you exactly where a given offer stands.

Generally yes. Most lenders finance the complete installed project, which typically includes ductwork repairs, a smart thermostat, permitting, and haul-away of the old equipment. If your contractor's quote includes it, we can usually finance it.

Financing decisions typically come back in fifteen to twenty minutes during business hours. Installation is usually the next day in the major Florida metros, subject to equipment availability at the supply house. Rural counties can run an extra day depending on local inventory.

No. We finance the system and match you with a licensed, insured Florida HVAC contractor from our vetted network. Keeping those separate means we're working for you on price rather than upselling equipment.

In most cases, yes, as long as they're licensed and insured in Florida and willing to work with the lender's invoicing process. If you already have a company you trust, tell us up front and we'll try to make it work.

Yes, though the lender list narrows considerably — some programs exclude manufactured housing outright. Knowing which lenders actually fund these is exactly the kind of thing a Florida HVAC specialist knows and a general home-improvement lender doesn't.

Most of our programs are built for owner-occupied primary residences. Some lenders will consider a rental or second home with stronger credit and income documentation. Mention it early so we route your file correctly the first time.

All 67. Volume is heaviest in Hillsborough, Pinellas, Pasco, Orange, Duval, Miami-Dade, Broward, Palm Beach, Lee, and Sarasota, but the lender network covers the full state including the Panhandle and rural counties.

No. Heating and cooling only. It's a deliberate choice — the narrower our focus, the better our lender relationships and the faster your answer.

Yes. Spanish-speaking specialists are available by phone, and our Spanish-language pages walk through the same financing options in full.