CAN YOU FINANCE A NEW HVAC SYSTEM WITH BAD CREDIT?
TIPS & FAQs
HOW TO GET A NEW AC UNIT WITH BAD CREDIT
Struggling to stay cool? Whether your AC is beyond repair or you need a new unit or system, finances can be stressful—especially if your credit isn’t perfect. But don’t sweat it. If you’re wondering if you can finance a new HVAC system when you have bad credit (620 and below), we have you covered. At Florida Man AC, we’re here to help you figure out how to finance an HVAC system, even if you have bad credit.
This page is full of tips and questions that focus on how to finance a residential AC unit or HVAC system with bad credit. Our flexible financing options are specifically for Floridians needing a new or upgraded HVAC in their home, no matter their credit history.
HOW CAN I GET HVAC FINANCING WITH BAD CREDIT? CONSIDER PAYING CASH INSTEAD OF USING CREDIT
WHEN PAYING CASH MAKES SENSE
When saving up for a new HVAC system is possible, paying cash can be a smart choice. By avoiding loans or credit, you won’t accumulate debt or pay interest, potentially saving you money in the long run. It also reduces worries about future payments piling up. Cash purchases keep things simple—once you pay, you’re done.
But let’s face it: most of us can’t afford to pay for a complete HVAC system out of pocket without additional monetary strain or using emergency funds that may be needed elsewhere. Not to mention that living without air conditioning in Florida isn’t just uncomfortable—it can be dangerous, especially during those scorching summer months. And, if you live in an area that experiences cooler weather, you may also be considering whether or not you can finance a furnace when you don’t have cash on hand. These reasons are when bad credit HVAC financing comes into play.
WHY FINANCING MIGHT BE THE BETTER OPTION FOR YOU
For those who need immediate cooling or heating but can’t afford the upfront cost, financing can be a lifesaver. At Florida Man AC, we offer tailored residential financing plans for those with bad, good, or no credit. Financing allows you to break up the cost into manageable monthly payments, so you can enjoy a cool home now without straining your budget.
Whether you pay with cash or choose financing, Florida Man AC can keep you in ice-cold comfort, and we do it fast! Contact us now, and let us guide you through the process to find the best solution for your situation.
LEVERAGE YOUR HOME EQUITY TO FINANCE A NEW HVAC SYSTEM
Wondering if you can finance a new AC unit or HVAC system, factor in your home’s value. If you’ve built up home equity, tapping into it with a Home Equity Loan or Line of Credit (HELOC) could be a way to finance your new AC unit. These options can be how you finance your AC unit or system with bad credit. They often come with lower interest rates but do involve a credit check. If refinancing or using equity isn’t an option, Florida Man AC can help, even with poor credit.
Another option is Property Assessed Clean Energy (PACE) financing, which, where and when eligible, allows you to finance energy-efficient home improvements like a new HVAC system through your property taxes. PACE doesn’t rely on your credit score, making it an excellent solution for homeowners with bad credit. Plus, the loan is repaid through your property tax bill, so payments are spread out over time.
CAN YOU FINANCE AN AIR CONDITIONER WITH HOME IMPROVEMENT LOANS?
Home improvement loans are another avenue you may take when you’re looking for how to finance a new AC unit with bad credit. This is especially practical if you are already banking with a trusted lender. Florida Man AC serves all of Florida and we offer personalized financing options that work for all types of credit scores for HVAC upgrades that set you up to chill at lightning speed.
CALL FLORIDA MAN AC FOR NO-STRESS FINANCING
At Florida Man AC, we know the heat is brutal here in Florida. Instead of suffering through it or finding other lending options that may create more financial stress in the future, call us for the best ways to finance HVAC with poor credit!
We’re happy to provide you with the quality AC financing services your home needs. We have an incredible network of lenders and subcontractors who finance people in many credit situations and install your new system in only a few days. Learn more about our financing options or get pre-approved for financing today!
ENERGY-SAVING TIPS WHILE YOU SAVE FOR YOUR HVAC SYSTEM
In addition to our tips for getting HVAC financing with bad credit, we also love finding ways to help our neighbors lower energy bills with efficiency adjustments with or without AC. If your HVAC system is still running but nearing its end, there are ways to save energy while you plan your replacement or keep costs lower when you have an HVAC—these strategies not only reduce strain on your system but also help you save money on utilities:
- Use fans to improve airflow, helping reduce the need to run your AC constantly.
- Keep blinds and curtains closed during the day to block out sunlight and prevent heat from entering your home.
- Open windows at night when temperatures drop, allowing cooler air to circulate naturally.
- Seal doors and windows to prevent air leaks and make sure your cooling stays inside.
- Raise your thermostat a few degrees in summer and lower in winter when you’re away from home to conserve energy use without sacrificing comfort.
- Consider upgrading to a modern HVAC system with programmable thermostats or smart controls that automatically adjust settings for better energy efficiency.
By conserving energy, you might be able to delay the need for a new HVAC system while saving up for a larger upfront payment—or at least reduce your energy bills in the meantime!
But if your system needs immediate replacement and saving isn’t an option, don’t worry. A lower credit score can feel overwhelming, but Florida Man AC offers air conditioning financing tailored to your situation. We’re here to help you beat the heat without breaking the bank.
SEE WHAT OUR CUSTOMERS ARE SAYING ABOUT US
Check out these Google reviews. You could be the next happy (and very cool) Florida Man customer!
WONDERFUL TO WORK WITH!
I have worked with Florida Man twice now. The entire process with the whole team was a pleasure. This company is wonderful to work with!
- Jennifer
ANSWERED ALL MY QUESTIONS
Florida Man took great care of us. They answered all my questions and made sure everything went well. The entire team was prompt, polite, and efficient. I highly recommend Florida Man and his team!
- Heath
I COULD, AND I DID!
When my ac broke, I really didn’t think I could afford to have it replaced. But I could. And I did. Thank you, Florida Man.
- Jerome
– ADDITIONAL FAQs –
HOW DOES MY CREDIT SCORE AFFECT HVAC FINANCING OPTIONS?
Credit scores affect the financing options available for HVACs. No credit? Florida Man AC offers no credit check financing. Higher interest rates may apply for bad credit (620 and below), but we work diligently to find affordable options. With fair credit (620-680), you’ll have access to more competitive rates and flexible terms. For good credit (680+), you qualify for the best rates and terms. No matter your score, Florida Man AC makes breezing through the Sunshine State! Let us help you find an HVAC financing solution that fits your needs.
WHAT IF I HAVE NO CREDIT?
Not every lender provides no credit check options, but that’s what sets Florida Man AC apart! We offer no credit check financing for Floridians who need it. You can still qualify for AC financing and avoid the Florida heat even with no credit. Simply chat, call, or fill out our pre-approval form to get started.
CAN I REBUILD MY CREDIT BY FINANCING AN HVAC UNIT OR SYSTEM IN FLORIDA?
Yes, you can work to rebuild your credit by financing a new HVAC system or unit. Timely payments on your HVAC financing can help improve your credit over time, which may open doors to better financial opportunities in the future.
Have More Questions?
We’d love to speak with you. Call us now to get started, or fill out the form at the bottom of this page, and we’ll get back to you shortly!