HVAC Financing in Florida
A more comfortable, energy-efficient home may be within reach. Bri-Tech Heating & Cooling works with four financing partners so you can choose the option that fits your budget. Check your eligibility online in minutes.
Four Ways to Finance Your HVAC Project
Each option has its own eligibility requirements, terms, and application. Click an application button to visit the provider’s secure page and see current rates and terms.
Florida PACE — Renew Financial
$0 down options for qualified projects
Florida PACE (Property Assessed Clean Energy) financing may help eligible property owners replace an old or inefficient HVAC system without the traditional upfront expense. Qualification is primarily based on the property and payment history — not a minimum credit score. Repayment is made through a voluntary non-ad valorem assessment added to your property tax bill.
- $0 down options for qualified projects
- Eligibility based on the property — not a credit score
- Repaid through your property tax bill
- Apply online in minutes
PACE financing is subject to property, project and location eligibility and final approval. PACE financing creates an assessment lien on the property and may affect the sale or refinancing of the property. Bri-Tech Heating & Cooling does not make financing or approval decisions.
Foundation Finance
Check your options with a soft credit check
Foundation Finance offers installment financing plans for home improvement and HVAC projects. You can check your options with a soft credit check that won't affect your credit score and get a quick prequalification decision online.
- Soft credit check to view your options
- Quick online prequalification decision
- Flexible installment payment plans
- Use for HVAC repair, replacement, or installation
Subject to credit approval. Rates, terms, and approval are set by Foundation Finance and disclosed during the application process.
Synchrony
Consumer credit card for your HVAC purchase
Synchrony offers a consumer credit card program you can use for your HVAC purchase. Qualified customers may have access to promotional financing options. Apply online for a credit decision and use your account toward services and equipment.
- Apply online for a credit decision
- Promotional financing options may be available for qualified customers
- Use your account for HVAC services and equipment
- Manage your account online
Subject to credit approval. Promotional financing, including any 0% APR offers, is set by Synchrony and shown during application. Terms apply.
RTO National
Get the equipment you need without a large upfront payment
RTO National offers a rent-to-own (lease-to-own) payment plan that lets you get the HVAC equipment you need without a large upfront payment or traditional credit requirements. You make affordable scheduled payments and work toward ownership through your payment plan.
- No large upfront payment required
- Options available with less-than-perfect credit
- Affordable scheduled payments
- Work toward ownership over time
Lease-to-own program. Terms, approval, and payment schedule are set by RTO National and disclosed during the application process.
Bri-Tech Heating & Cooling LLC does not make financing or approval decisions. All financing is provided by third-party lenders and program administrators. Rates, terms, approval, and any promotional offers are determined solely by the provider and disclosed during the application process. Review all program terms carefully before signing.
Financing — Frequently Asked Questions
What financing options does Bri-Tech offer?
Bri-Tech Heating & Cooling works with four financing partners so you can choose the option that fits your situation: Florida PACE (Renew Financial), Foundation Finance, Synchrony, and RTO National. Each program has its own eligibility requirements, terms, and application process.
What is Florida PACE financing?
Florida PACE (Property Assessed Clean Energy) is a financing program for eligible energy-efficiency, wind-resistance, and water-conservation property improvements, including HVAC replacement. Qualification is primarily based on the property and payment history — not a minimum credit score. Repayment is made through a voluntary non-ad valorem assessment added to your property tax bill.
Do I need a minimum credit score to qualify?
It depends on the program. Florida PACE eligibility is primarily based on the property and payment history, not a minimum credit score. Foundation Finance uses a soft credit check that won't affect your credit score to show your options. Synchrony is a credit card program subject to credit approval. RTO National offers options for customers with less-than-perfect credit. Review each program's terms during the application process.
Does Bri-Tech make the financing decision?
No. Bri-Tech Heating & Cooling does not make financing or approval decisions. All financing is provided by third-party lenders and program administrators. You can check your eligibility directly with each provider using the application links on this page.
How do I check my eligibility?
Click the application button for the program you're interested in — each opens the provider's secure application page in a new browser tab so you can see current rates, terms, and get a decision online in minutes.