HVAC Financing in Florida | Synchrony, Wisetack & Regions | Temp Control Services
Flexible Payment Options
Don't Let Budget Stop
Your Comfort
We offer financing through three lenders — Synchrony, Wisetack, and Regions Bank — so you can find the right payment plan for your situation. Pre-qualify in minutes with no impact to your credit score.
* All financing subject to credit approval. Terms vary by lender.
Simple Process
How Financing Works
Pre-Qualify Online
Click the Pre-Qualify button. Takes 2 minutes. Soft credit pull only — no impact to your score.
Get Your Quote
Use our Pricing Tool or call us for a free estimate. We'll show you the monthly payment alongside the total price.
Choose Your Terms
Pick the loan term and monthly payment that fits your budget. No pressure, no obligation.
We Install, You Stay Cool
Once approved, we schedule your install. Most jobs are done in a single day.
Step 0 — Before You Pre-Qualify
Not Sure What a New System Costs?
Use our free Pricing & Sizing Tool to get an instant quote based on your home's square footage and system type. Takes 60 seconds — then come back here and pre-qualify knowing exactly what you're financing.
Our Pricing Tool Shows You
Lower Your Cost Even More
Stack Rebates on Top of Financing
Both York systems we install qualify for utility rebates through many Florida providers — meaning your actual out-of-pocket cost could be significantly lower before financing even starts.
16 SEER2
York Standard Efficiency
- Meets Florida minimum efficiency standards
- Qualifies for utility rebates with most FL providers
- Solid everyday efficiency — lower upfront cost
- Great fit for budget-conscious homeowners
19 SEER2
York Inverter System
- High-efficiency inverter technology
- Qualifies for higher utility rebate tiers
- Significantly lower monthly electric bills
- Pays for the upgrade over time in energy savings
Ask Us About Current Rebates in Your Area
Rebate availability and amounts vary by utility provider and change throughout the year. When you get your quote, we'll tell you exactly what's available for your address.
Our Lending Partners
Three Ways to Finance
We work with three lenders so you have real options — not just one take-it-or-leave-it offer.
Synchrony
Most Popular
- Low monthly payment options
- Promotional financing available
- Pre-qualify with no hard credit pull
- Quick online application
- Widely accepted — apply in minutes
Wisetack
Great for All Credit Profiles
- Works with a range of credit scores
- Soft credit check to pre-qualify
- Multiple loan term options
- Fast approval decisions
- No prepayment penalties
Regions Bank
Traditional Bank Financing
- Competitive interest rates
- Flexible repayment terms
- Established bank you can trust
- Good for larger system investments
- Call us to get started
3
Lending Partners
$0
Down Options Available
2 min
To Pre-Qualify
0
Impact to Credit Score
Common Questions
Financing FAQ
Will pre-qualifying hurt my credit score?
No. Pre-qualification uses a soft credit inquiry, which has no impact on your credit score. A hard pull only happens if you choose to move forward with a full application.
Can I finance a repair, not just a new system?
Yes. Financing is available for both repairs and full system replacements, subject to lender minimums. Call us and we'll walk you through your options.
What credit score do I need?
Requirements vary by lender. Wisetack works with a broad range of credit profiles. Synchrony and Regions Bank have their own criteria. We recommend pre-qualifying through Synchrony first — it's fast and won't affect your score. All financing is subject to credit approval.
How quickly can I get approved?
Pre-qualification decisions are typically instant. Full approval can take minutes to a few hours depending on the lender and your application.
Is there a minimum or maximum loan amount?
Minimums vary by lender — typically starting around $500–$1,000. There's no hard maximum for most residential HVAC projects. Call us if you have a specific amount in mind.
Do the York systems qualify for utility rebates?
Yes — both the York 16 SEER2 and the York 19 SEER2 inverter systems qualify for utility rebates through many Florida utility providers. Rebates can significantly reduce your out-of-pocket cost before financing even kicks in. Ask us about current rebate availability in your area when you get your quote.
More questions? Check our full FAQ page or call us at 844-500-8367 (TEMP).
What Customers Say
Financing Made It Possible
"I was worried I couldn't afford a new system but the financing made it totally manageable. The monthly payment is less than I expected and the new York unit is incredible."
Maria L.
Gainesville, FL
"They walked me through the financing options without any pressure. Pre-qualified in about 2 minutes and had my new AC installed the next day. Couldn't be happier."
James W.
Ocala, FL
Ready to Get Started?
Pre-Qualify in 2 Minutes
No hard credit pull. No obligation. Just find out what you qualify for — then decide.
All financing subject to credit approval. Terms and conditions vary by lender. Questions? Call us at 844-500-8367 (TEMP)