Financing Options
Affordable payment plans to keep your family comfortable without breaking the bank.
Important: Financing is provided by third-party lenders. Approval, terms, rates, and eligibility are determined by the lender and are not guaranteed by AC Repairmen. Credit and property eligibility required. Not all applicants will qualify.
Comfort You Can Afford
Don't let budget concerns keep you from the comfort your family deserves. Our flexible financing options make it easy to get the AC, heating, or water heater you need.
Choose the Plan That's Right for You
We partner with trusted lenders to offer a variety of financing options. Whether you're looking for 0% interest or longer-term financing, we have a solution for your needs.
0% Interest Promotions
Take advantage of special promotional periods with 0% interest financing on qualifying purchases. Pay off your system over time without any interest charges.
6-18 month promotional periods available
Low APR Financing
Competitive interest rates for longer-term financing options. Perfect for larger installations or when you need more time to pay.
Terms up to 84 months available
Deferred Payment Plans
Start enjoying your new system now and begin payments later. Great for when you need immediate comfort but want to delay payments.
90-day deferred payment options
How to Apply
Getting approved is quick and easy. Here's what you'll need:
Ready to get started? Schedule your free installation estimate and ask about financing options.
PACE Financing Program
Property Assessed Clean Energy (PACE) is a unique financing option that allows Florida homeowners to finance energy-efficient HVAC upgrades through their property tax bill - with approval based on home equity rather than credit score.
Residential PACE (R-PACE)
Available in Florida, California & Missouri
- Finance high-efficiency HVAC systems, central air, and duct sealing
- Approval based on home equity and property eligibility (not credit score)
- Repayment through annual property tax bills over 5-20 years
- No upfront costs for qualifying upgrades
Commercial PACE (C-PACE)
Available in 36+ states nationwide
- Ideal for offices, retail spaces, and commercial properties
- 100% financing with no money down
- Long-term financing up to 25 years
- Off-balance sheet financing option
PACE Financing
Property-Based Financing
- No upfront costs for qualifying upgrades
- Approval based on home equity, not credit
- Pay through property tax over 5-20 years
- Available for Florida homeowners
Check Your PACE Eligibility
Get a free consultation to see if you qualify
How PACE Financing Works
Unlike traditional loans, PACE financing is secured by your property and repaid as a non-ad valorem assessment on your property tax bill. This means approval is based more on your home's equity than your credit score. The assessment stays with the property, not the owner, which can be transferred if you sell your home. Contact us to learn if PACE is right for your AC upgrade project.
Financing FAQs
How do I apply for financing?
Applying is easy! When you schedule your free installation estimate, let us know you're interested in financing. Our team will help you through the simple application process, and you can often get approved in just minutes.
Will applying affect my credit score?
The initial pre-qualification typically involves a soft credit check, which does not affect your credit score. A hard inquiry may be performed only when you formally apply and accept financing terms.
What can I finance?
You can finance new AC installations, heating systems, water heaters, and even major repairs. Ask about financing options for any service over $500.
How long does approval take?
Most customers receive a decision within minutes of submitting their application. In some cases, additional documentation may be required, which could extend the process.
Ready to Apply?
Start your financing application today. Our team will review your information and contact you within one business day with available options.
AC Repairmen | 9000 Sheridan Street, Suite 8, Pembroke Pines, FL 33024 | (954) 358-8585 | License #CAC1824765
All offers subject to availability and may be modified or discontinued without notice. Cannot be combined with other offers unless stated. Must present offer at time of service. One offer per household. Valid only for residential customers in our service area (Broward, Miami-Dade, and Palm Beach counties). Diagnostic fee waived only when repair is completed. Installation offers valid on qualifying equipment only. Financing subject to credit approval.
Financing Disclosure:AC Repairmen LLC does not provide financing directly. All financing is arranged through third-party lenders. Terms, rates, approval, and eligibility are subject to lender requirements. Not all applicants will qualify. Approval is based on property eligibility and creditworthiness as determined by the lender. PACE financing approval is subject to property equity, owner occupancy status, and lender review. AC Repairmen does not guarantee approval and makes no representations about a customer's likelihood to qualify for financing.