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air conditioner replacement-financing in florida

HVAC FINANCING FOR HOMEOWNERS


Goodbye old air conditioner.
Hello happiness.

  • No minimum FICO
  • Low rates for HVAC
  • Terms up to 20 years1
  • Super fast approvals
Get Started

A flexible solution for your heating and cooling problems.

Don’t let yourself get hot and bothered, just because your air conditioning went out in the middle of summer. Home Run Financing is the perfect solution for your heating or cooling emergency. We offer no credit check HVAC financing and can often approve applications in just minutes. Home Run Financing can help you be comfortable in your home all year around.
Apply for HVAC Financing

Solve your HVAC problem today.

We can often approve applications within minutes.

No credit requirement for AC financing.

We don’t use your FICO score to determine if you are eligible, meaning you can get HVAC financing even with bad credit.

Don’t compromise on HVAC repairs.

With financing amounts up to 20%2 of the value of your home, we can help you get the funds you need to do the job right.

HVAC financing with low, fixed rates.

Home Run Financing offers competitive fixed interest rates.

Work with experienced HVAC contractors.

We can connect you with a PACE approved contractor, who has passed our full screening and training process.

Set repayment terms that work for you.

With terms up to 30 years, no prepayment penalties, and multiple rate options, choose a repayment plan that fits your budget.1

What are your HVAC financing options?

Wondering whether you can finance an HVAC system? The answer is yes, but many HVAC financing options require long approval times or excellent credit scores. And while using a credit card to pay for AC upgrades comes with high interest rates and short repayment terms. PACE financing is different. We offer the perfect combination of higher financing amounts, long repayment terms, and affordable, fixed interest rates. All without any minimum FICO requirement. This table can give you a better idea of how HVAC financing works.

PACE Funding
Home Run Loans Home Equity Line of Credit (HELOC) Credit Card
Repayment Terms
Up to 30 Years
Up to 25 Years
Up to 30 Years
Not Applicable
Rate Structure
Always Fixed
Always Fixed
Fixed or Variable
Compounding
Approval Time
Within Minutes
Within Minutes
Up to a Month or Longer
Same Day
Approval Based on Credit Score
No
Yes
Yes
Yes
Obligation Shows on Credit Report
No
Yes
Yes
Yes
Lien on the Property
Yes
No
Yes
No
Tax Deductible Interest
Consult Your Tax Advisor
No
Consult Your Tax Advisor
No
Enhanced consumer protections
Yes
Yes
No
No

Financing your HVAC project through Home Run Financing.

My heart sank to my stomach. It went from being a five or six thousand dollar job, to almost a thirteen thousand dollar job. I had no idea how we were going to do it.

Jody – Hillsborough County, FL
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Which HVAC upgrades can you start right away?

PACE financing can be used to help pay for a broad range of heating or cooling solutions for your home. Whether you urgently need to replace a broken HVAC unit, are looking to increase the comfort in your home, or want to reduce your energy consumption with newer more efficient HVAC products, PACE can likely help you finance the right solution for your needs.

air conditioner financing

Replace your central air conditioner.

As a homeowner, if your central air conditioner fails in the middle of the summer you will do whatever it takes to find an immediate solution. However, cutting corners on AC repairs or upgrades often leads to even bigger problems down the road.

We have designed PACE to be an immediate solution for homeowners who think they are out of AC financing options. Working with trusted local AC installers, we can help you get up and running with the right solution in days, not weeks. And with no credit requirements, you can get air conditioning financing even with bad credit.

financing for whole house fan

Improve air quality with ceiling & whole-house fans.

Ceiling fans and attic fans help increase air circulation and remove heat from the attic space of your home. These upgrades can work in combination with your AC unit to further increase the comfort of your home and potentially allow you to run your central HVAC unit less frequently, saving money on your electric bill.

Whole-house fans can work as an alternative to running central AC units by creating a constant flow of outside air that circulates from the bottom of your home to the top.

boiler financing

Get a new furnace, boiler, or biomass/wood stove.

Keeping your home warm in winter is just as important and having a cool comfortable house in the summer. Home Run Financing makes it possible to finance energy efficient furnaces, boilers, and biomass burning stoves. Plus, we never check your credit score, meaning you can get furnace financing even with bad credit.

Biomass heating systems provide an environmentally friendly heating option that burn plant-derived fuel to heat your home. Biomass fuel includes agricultural crops, wood pellets, grasses, and fibers.

geothermal heat pump financing

Save energy with a geothermal or air source heat pump.

Geothermal and air source heat pumps offer alternatives to traditional home heating solutions. Air-source heat pumps collect and transfer heat from the air while geothermal heat pumps collect and transfer heat from the ground.

Both types of heat pumps can also work as cooling systems in the summer, transferring heat from inside to outside. Opting for heat pump financing also allows you to reduce your reliance on natural gas and help reduce harmful emissions. With Home Run Financing, you can get heat pump financing for a geothermal or air source heat pump and start saving on your electricity expenses.

Eligible in multiple states and more than 909 communities

Click a state below to confirm PACE HVAC financing is available in your area.

California

pace financing in california state

Florida

pace financing in florida state

Missouri

pace financing in missouri state

Frequently Asked HVAC Questions

How can I get HVAC financing with bad credit?

Unsure what credit score you need to finance an HVAC system? PACE isn’t a traditional loan, so we don’t use your credit score to determine your eligibility. This means you can get furnace or air conditioning financing even with bad credit. Approval is based on the amount of equity you have in your home, your mortgage payment history, and your ability to repay your PACE assessment. PACE rewards you for the years you spent saving for a down payment and for responsibly paying your mortgage on time. To learn more about getting HVAC financing with bad credit, visit the PACE Funding page.

Does insurance cover air conditioning units?

Home insurance typically covers AC units and heat pumps for damage caused by fires, falling trees, vandalism, lightning strikes and sometimes flooding, similar to coverage for the rest of your home. However, normal wear and tear or accidental damage is typically not covered by home insurance policies.
If your HVAC simply breaks after 10 years of use, then you usually won’t be reimbursed for repair or replacement. We encourage you to check with your home insurance company for specific coverage details about your air conditioning or heating unit. You can always reach out to Home Run Financing when your insurance company refuses to cover the costs. We can help you get AC financing quickly and affordably, regardless of your credit score.

Do HVAC companies offer financing?

Many HVAC companies offer financing, but it is important to understand your options before making a decision. Unsecured loans will typically require strong credit scores to be eligible for competitive interest rates. Many unsecured loans also have relatively short repayment periods, leading to higher monthly repayment costs. PACE offers long terms and competitive rates, on top of no credit check HVAC financing. This makes PACE a great option for HVAC upgrades and replacements.

How can I get a free HVAC system?

There are a handful of federal programs designed to help low-income families with their heating, ventilation, and air conditioning (HVAC) needs. These include the Department of Energy’s Weatherization Assistance Program (WAP), US Department of Health and Human Services’ Low Income Home Energy Assistance Program (LIHEAP), and the Environmental Protection Agency’s Energy Star (ES) program.
Some of these programs do provide a very limited number of free HVAC upgrades to homeowners. Depending on your situation it may be worth exploring these programs. However, the guidelines for qualifying for these programs can be stringent. Home Run Financing can be a great option to finance your HVAC when you don’t qualify for a government program. We make it possible to get air conditioning and furnace financing with bad credit, offering low rates and flexible repayment options.

See if PACE HVAC financing is available for your home.

Get Started

  1. 30 year repayment terms are not available for all project types. Repayment terms are determined by estimated useful life of the product and manufacturer product warranty period. Repayment term options may vary by state. Not all term options are available in all states. Term options are subject to change at any time. 

  2. Maximum financing amounts vary by state, city and county. Depending on local regulations, there may be max financing restrictions that limit the maximum PACE financing eligibility to less than 20% of your estimated property value.

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Copyright © 2023 PACE Funding Group, LLC.

PACE Funding Group, LLC is licensed to provide PACE financing in California – License number 60DBO-91769

PFG Lending, LLC is licensed in the following States to provide Home Run Loans:
Florida Office of Financial Regulation – License number SF9901932
Missouri Division of Finance – License number 6691035
Kansas Office of the State Bank Commissioner – License number SL.0026816
California Department of Financial Protection and Innovation (DFPI) — License number 60DBO – 138794

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