We connect you with one of our trusted subcontractors who is licensed, insured and ready to perform your installation as soon as possible.

All but one of our lenders and or lease companies do a “soft pull”. Soft pull means that it does not lower your credit score to apply.

A co-signer can help in certain situations. It mostly depends on the type of co-signer. They need to have a better credit score and add income to your application. A cosigner can sometimes be helpful.

We have a very high success rate in getting people qualified for financing for a new HVAC system. Submitting the pre-approval form does not impact your credit, so it can't hurt to try.

This is totally up to you, the homeowner. We tailor the process to your needs. Many of our subcontractors prefer to make a site visit. But if you're able to text a few pictures that we provide to the subcontractor, it is possible to avoid the site visit. At the time of the installation, issues sometimes arise that could have been avoided with a site visit. But we leave this choice up to you.

Our goal is to arrange financing for quality equipment at a price that you can afford. Our subcontractors have a good, better, best style of approaching the equipment choice. All of our equipment that our subcontractors install is name brand. The equipment is brand new and comes with a 10 year warranty on parts and a 1 year warranty on labor. We don't work with any subs that install junk, used, slightly used or scratch and dent...EVER!

Our goal is for our subcontractor to install your brand new system the very next day. With the extreme heat and the record number of people needing new AC systems, there have been some delays. Almost always, installation happens within one to three days.

Sometimes yes, sometimes no, it depends on the lender. Our goal is to avoid loan or lease programs that require down payments. We are trying to get you the absolute best deal possible. In most cases, there is no down payment.

20 minutes to an hour. We pride ourselves on getting back to you as soon as humanly possible.

Generally, AC units that are more than 8-10 years old should be replaced with newer, more efficient models. This general rule dictates that if the age of the AC unit multiplied by the cost to repair it equals more than $5,000, the unit should be replaced. If it equals less, the unit should be repaired.

If you do not know the age of your system, the age (year manufactured) is in the serial number of the label attached to the condenser and the air handler. Text us a picture of the label and we will help you figure it out.

It depends on the financing that is best for you. We use multiple finance companies because everyone’s situation is unique. We are not a one size fits all AC financing company, and we want everyone to have the ability to get the financing that helps them the most. That is why we tailor our solutions to your unique situation.

On our website, there is a “Get Pre-Approved” tab. If you fill out this form, we will have everything we need to understand your financial situation and determine what financing is best for you. If this is a challenge for you, we can also take your information over the phone.

Our goal is to make this experience as easy and stress free as possible.

This depends on the financing available to you. We have customers who pay as little as $75/month for a new system. Typically, this is a person with good credit or is located in a city or county where specific loan programs are available.

The key is that we can get almost anyone financed with very few exceptions. If you have bad credit, the financing terms might not work for you, but we can give options on what we can do for you.

Yes, absolutely. We get this question a lot. But it does depend on a few factors, like credit score, income, debt to income ratio, recent payment history, etc. We have a very high success rate at getting our customers approved. Give us a call or fill out the pre-approval form on our website and we will get to work right away.

Only one of our multiple lenders pulls credit and that is at the very end of the short process, which means there is no impact on your credit to fill out the pre-approval form.

Yes. It could depend on where you live because some of our financing programs are approved in specific cities or counties. It also depends on your income and ability to pay. It may require a co-signer, but we have even gotten people below 500 approved.

Above 680 credit score is considered good credit. You will have more options in your financing. With a credit score above 680, we will be able to get you approved quickly and easily.

Florida Man can help. Respect. Empathize. Honor. Help — that is our mission Florida Man AC. No matter what your credit score is, we will do everything we can to get you financed for a new air conditioning system.

Many of our financing programs require no down payment. We have deferment programs as well that allow you to get the new unit now and pay later if you’re in a challenging place financially.

Will the system be properly permitted?

At Florida Man AC, all of our trusted subcontractors pull permits for your new system. This way you know it was done legally and done right.

Will a bargain (cheap or shady) system have a warranty?

• It's possible that the reason a system is so cheap is because it's slightly used. In this case, watch out. Know ahead of time if the cheap system will have a 10 year manufacturer's warranty on parts.
• At Florida Man AC, all of the systems installed by our awesome subcontractors are brand new and come with a 10 year manufacturer’s warranty on parts and 1 year labor warranty.
• Also, some bargain installers might not honor the manufacturer’s warranty. We have seen many installers put in a system and disappear, never to be heard from again if there is a problem. At Florida Man AC, you will never have to deal with a hassle like this.

Will a bargain system be brand new?

• All of the systems installed by our wonderful subcontractors are brand new. Some companies will pass off a used or slightly used system as new. This can void a manufacturer's warranty.
• If the AC fails because of a factory fault, the warranty covers repairs or replacement. A warranty cannot be transferred with a used air conditioner, however! A “transferable warranty” refers to moving the warranty over to new homeowners, not moving the AC to a new home.

Will it be hard to track down the bargain system installer if something goes wrong?

Possibly. And if it does, this is a terrible feeling. If there is an issue with a system installed by one of our subcontractors, we will connect you with assistance right away.

Are the bargain installers professionals who are licensed and insured?

Always check to be sure. At Florida Man AC, you will always deal with one of our licensed, insured professional subcontractors.

Are the “bargain installers” skipping steps in their installation?

Installing a new system takes time. It cannot be hurried or rushed. If an installer is basing his prices on being able to do more volume, be wary. He has to be faster and that is really tough and can lead to cutting corners or taking short cuts.