HVAC and Plumbing Financing in Tampa Bay

Yes, with $0 down payment and rates from 0% APR through Wisetack on approved credit. We offer four options: Wisetack (up to $65,000 for qualified customers, 3 to 120 months), GoodLeap home improvement loans up to $55,000, PACE financing through Renew Financial in participating areas, and Microf lease-to-own for challenged credit. Every job starts with a FREE estimate, so you know the price before you apply.

Wisetack, GoodLeap, Renew Financial for PACE, and Microf for lease-to-own. You can check Wisetack online in about a minute. For the other three, we send you the application after your FREE estimate, or you can apply with Microf from this page.

Not with Wisetack. Checking your eligibility uses a soft credit pull, so your credit score is not affected. Accepting an offer can affect your credit, and so can how you repay it. GoodLeap, PACE and Microf explain how they check when you apply.

Wisetack finances up to $65,000 for qualified customers, with terms from 3 to 120 months depending on the job. GoodLeap home improvement loans go up to $55,000. PACE amounts and terms depend on the project and your property, in participating areas.

With Wisetack you pick a term from 3 to 120 months, depending on the job, when you see your offers. PACE is repaid over time as part of your property taxes, and GoodLeap terms depend on the loan you are approved for. Shorter terms mean higher monthly payments but less interest overall.

Wisetack rates start at 0% APR, based on the amount and your credit. For example, a $5,500 purchase could cost $253.54 a month for 24 months at a 9.9% APR, or $1,833.33 a month for 3 months at a 0% APR. You see your actual offers when you check, before you accept anything.

Not with Wisetack. You can finance your AC, water heater or plumbing project with $0 down payment, on approved credit. Microf lease-to-own starts with an initial payment. Get your FREE estimate first so you know the exact price.

Yes. Wisetack rates start at 0% APR on approved credit, depending on the amount, your credit and the term. Checking your options shows exactly which offers you qualify for, and it does not affect your credit score.

Not with Wisetack. There are no prepayment fees, no late fees and no compounding interest, so you can pay it off early. GoodLeap loans have no prepayment penalties either, and Microf lets you pay off early. Ask about PACE terms when you apply.

Usually not, because the four options cover different situations. Wisetack offers are based on creditworthiness, PACE has no minimum credit score in participating areas, and Microf regularly approves homeowners with less-than-perfect credit.

Often, yes. Microf lease-to-own is built for homeowners with challenged credit and covers AC and water heater installs. PACE financing through Renew Financial has no minimum credit score, where it is available. You can also check Wisetack first, since it will not affect your score.

We do not advertise no credit check financing. Here is what we do offer: checking your Wisetack options uses a soft pull that does not affect your score, PACE has no minimum credit score where it is available, and Microf regularly approves homeowners with less-than-perfect credit.

It depends on the option. Wisetack bases its offers on creditworthiness, so the easiest way to find out is to check your options, which does not affect your score. PACE has no minimum credit score in participating areas, and Microf regularly approves homeowners with less-than-perfect credit.

PACE (Property Assessed Clean Energy) pays for energy-saving upgrades like a new AC, a heat pump or a water heater. We offer it through Renew Financial's RenewPACE program. You repay it as part of your property taxes, and there is no minimum credit score. It is only available in participating areas: in our service area that is unincorporated Pasco County, Port Richey, Zephyrhills and Gulfport. Hillsborough County and the City of Tampa are not on the participating list right now. PACE is secured by a lien on your property and may need to be repaid when you sell or refinance, so check with your mortgage lender first.

Microf offers lease-to-own for AC systems and water heaters. Instead of paying for the whole install up front, you make an initial payment and then monthly lease payments, and you can pay it off early. The application gives you a decision in minutes, and Microf regularly approves homeowners with less-than-perfect credit. It is a lease-to-own (lease-purchase) agreement provided by Microf, LLC, not a loan, and acquiring ownership by leasing costs more than the cash price.

New AC systems, heat pumps and mini-splits, ductwork, water heaters, whole-home repipes, water softeners and filtration, whole-house dehumidifiers, and bigger repairs. Ask during your FREE estimate which option fits your job.

Yes. A new AC system runs $6,643 to $18,540 in our price book, and an AC and ductwork job $16,300 to $23,000 for most homes. Wisetack, GoodLeap, PACE and Microf all let you spread that cost into monthly payments.

Yes. You can finance plumbing work like a water heater replacement ($1,518 to $1,845 for most tanks), a whole-home repipe ($4,500 to $22,500) or a water softener. Wisetack works for most plumbing jobs, and GoodLeap is a good fit for the bigger ones.

Yes. We are open 24 hours a day, 7 days a week, and checking your Wisetack options takes about a minute. AC replacements are usually done in one day, so you do not have to wait in the heat while you save up.

Yes. Every customer gets a FREE estimate and FREE diagnosis, with no service call fee and no trip charge, whether you pay up front or finance.

Yes. Financing is a way to pay, not a discount, so it works alongside our specials and the utility rebates in our rebate guide.

Book a FREE estimate by calling (813) 343-2212 or online. Once you have your written quote, check your Wisetack options online in about a minute, apply with Microf from this page, or ask us to send a GoodLeap or PACE application.