HVAC Financing Solution

Chances are you weren’t expecting to make an HVAC purchase and many families don’t have $5,000.00 or more on hand for this type of expense. This is where FTL Finance can benefit you. Not only is financing a great option for when you have an emergency expense, but also for when it makes sense to use your financial reserves for something else.

Why FTL Finance is a great choice….

  • You’re more than a credit score, we look at your overall financial picture
  • There are no prepayment penalties
  • No default rate for missed payments or after a deferred interest period has expired
  • Simple paperwork
  • Automated response to credit applications
  • Online/auto payment options with no charge

Two Easy, Simple Financing Products

FTL Finance provides two HVAC consumer financing products. Contractors will work with customers to choose the best option. Whether consumers want to pay off the loan quickly or want a very low monthly payment, we have choices. See product options below, remember not all products are offered in all areas.

FTL Finance Lease

  • Competitive fixed rates from 9.95% to 18.99%
  • Terms up to 7 years
  • Loan amounts from $1,000.00 to $35,000.00
  • Deferred interest plans available for 90 days, 6 months, and 12 months (plans not available in all areas)
  • No minimum monthly payment required during deferred interest period
  • Regular financed contracts are available in all areas

FTL ESC Card

  • Non-Promotional rate of 16.99%
  • Loan amounts from $300.00 to $35,000.00
  • Deferred interest plans available for 6 months and 12 months (plans not available in all areas)
  • Minimum monthly payments required during deferred interest period
  • Regular revolving lines of credit are available in all areas

Simple online application

Online application