Financing for Everyone
Most HVAC contractors don't offer financing. We do — because a comfortable home shouldn't require $5,000 cash on a Tuesday.
GreenSky Financing
Our primary lending partner offers competitive rates and flexible terms for homeowners with good to excellent credit. Most customers qualify for promotional rates, including 0% intro APR options.
- Rates starting at 0% intro APR for qualified buyers
- Terms from 12 to 144 months
- Loan amounts up to $65,000
- No prepayment penalties
- Quick online application in minutes
- Soft credit check to see your rate
Sample GreenSky Terms
Actual rates depend on creditworthiness
Rates shown are representative. Your actual rate may vary based on credit profile, loan amount, and term selected.
Who Is FTL Finance For?
Had some bumps in the road? FTL specializes in second chances.
New to credit or thin file? FTL looks at the whole picture, not just a score.
If you've been turned down by other lenders, FTL may still be able to help.
FTL Finance
Everyone deserves a comfortable home. FTL Finance provides financing options for customers who may not qualify through traditional lenders. Lower credit scores, limited history, or past financial challenges are not automatic disqualifiers.
- Options for credit scores as low as 500
- Second-look financing when banks say no
- Flexible payment terms
- Fast approval decisions
- No hidden fees
- Dedicated customer support
Estimate Your Monthly Payment
See what your new AC could cost per month. These are estimates only.
Estimates are for illustrative purposes only. Actual rates, terms, and monthly payments will be determined during the application process based on your credit profile.
Check Your Rate Without Affecting Your Credit
Your initial rate check is a soft inquiry only. No hard pull on your credit report until you decide to move forward. See what you qualify for with zero risk.
Get StartedFinancing FAQ
Common questions about paying for your new system.
Will checking my rate affect my credit score?
No. Your initial rate check is a soft inquiry, which does not affect your credit score. A hard inquiry only happens if you choose to move forward with financing.
What credit score do I need?
GreenSky typically works best for credit scores of 600 and above. For lower credit scores, FTL Finance offers second-look financing options starting at scores of 500. We have an option for nearly everyone.
How quickly will I know if I'm approved?
Most applicants receive a decision within minutes. In some cases, additional documentation may be requested, which can take 1-2 business days.
Can I pay off my loan early?
Yes. There are no prepayment penalties with either GreenSky or FTL Finance. Pay off your balance early and save on interest.
What are the actual monthly payments?
Monthly payments depend on your loan amount, term length, and interest rate. Use the calculator above to estimate your payments, then check your actual rate to see your personalized numbers.
Do I apply for financing before or after choosing my system?
Either way works. You can check your rate first to see what fits your budget, or pick your system and apply during checkout. Many customers like to know their budget before choosing a tier.
My contractor doesn't offer financing. Can I still use yours?
Absolutely. That's one of the biggest advantages of buying through AC Rebel. Even if your local HVAC company doesn't offer financing, you get access to our lending partners when you buy from us.
Ready to See What You Qualify For?
Start your free quote, choose your system, and apply for financing during checkout. The entire process takes under 10 minutes. See real monthly payments — not estimates.
Get Your Free Quote