First Responder, Military, and Senior Discounts.
First Responder, Military, and Senior Discounts.
Affordable AC financing in Florida with fast approvals, low monthly payments, and upfront pricing. Keep your home cool without the upfront cost.
Homeowners across Central Florida can upgrade their HVAC systems with flexible options like FTL financing and the PACE program, making energy-efficient improvements more affordable. These plans offer fast approvals, low monthly payments, and no large up-front cost, so you can replace or repair your AC without breaking your budget. Perfect for older Florida homes that need modern cooling, both options help you stay comfortable while spreading the investment out over time.
Florida Statute 163.08 details a number of qualifying improvements. The majority of Florida property owners use our financing for:
3 F.S. Chapter 163.08(2)(b).
Applying for Florida PACE is very simple, but it does have some eligibility requirements to secure the voluntary financing. While no money down or credit checks are required, here are the things needed to qualify:
Interest rates for PACE are well below any credit card interest rates, a common method for financing home upgrades. Interest rates for PACE range from approximately 6% – 12.99%.
Additionally, homeowners are not required to make any down payments. All closing fees are included in the financing total. Closing fees are approximately 6.99% of the loan amount.
PACE allows homeowners with lower credit scores equal ability to secure financing for hurricane-hardening and energy-efficiency improvements at reasonable interest rates. PACE allows ALL Floridians (even property owners with impaired credit) to live in safe and efficient homes.
*The reason interest rates are so much lower than unsecured debt (credit cards) is that finance companies know the annual payment is predictable, as it’s included in your property tax bill.*
You can see offers from various financing options within 15 minutes of completing the application! Call a Klein Cooling Payments Specialist to Learn More and Apply today!
FTL specializes in financing for HVAC projects!
Once your homeowner is approved, they will be presented with finance terms to select from & a Finance Lease Contract to sign electronically. Once the installation has been completed, you can create the completion certificate in AppTracker for the customer to sign. Once all signatures are completed for the loan documents, you will receive your funds within 1-2 business days
FTL Finance does not have a minimum credit score requirement. We review the complete credit profile to determine credit worthiness. Our TotalReview process allows FTL to approve even more than other finance companies.
