New AC system? Major repair? Prime Air offers financing through multiple lenders so you can move forward today and pay over time. Call (561) 855-0659 — we’ll walk you through the options and find the right fit.
Multiple lenders | 0% interest options | No credit check options | Same-day approval
Financing Options Available Through Prime Air
| Lender | Type | Credit Check | Best For |
|---|---|---|---|
| Kwik Comfort (Synchrony) Get Prequalified » | Traditional | Hard pull | Good credit, lowest rates, 0% interest promos |
| Wisetack | Traditional | Soft pull | Checking options without impacting credit score |
| Foundation Finance (FFC) | Traditional | Soft pull | When Synchrony or Wisetack isn’t the right fit |
| Service Finance Company Apply Now » | Traditional | Hard pull | Traditional credit-based option, fast decision |
| Renew Financial | PACE Program | Soft pull — not credit-based | Homeowners with credit challenges |
| Home Run Financing | PACE Program | Soft pull — not credit-based | Second PACE option for qualifying properties |
What Is PACE Financing?
PACE (Property Assessed Clean Energy) is a Florida program that lets homeowners finance energy-efficient upgrades — including AC systems and heat pumps — without a traditional credit check. Approval is based on your property, not your credit score. Repaid through your property tax bill. Available to qualifying homeowners in Palm Beach and Broward County. Renew Financial and Home Run Financing are our two PACE options. Call us to see if you qualify.
How to Apply
- Call (561) 855-0659 — tell us you’re interested in financing
- Get your free estimate — written quote for the full job
- We walk you through your options — and help you choose the right lender
- Apply on the spot — most approvals take minutes
- Schedule your installation — same-day or next-day in most cases
What you can finance: AC installation | AC replacement | Heat pump installation | Mini split installation | Major repairs | Indoor air quality upgrades
Common Questions
What if I’ve been turned down before?
We work with multiple lenders for exactly this reason. If one doesn’t approve you, we move to the next. Our PACE programs (Renew Financial and Home Run Financing) in particular have helped homeowners who were turned down everywhere else — they’re based on your property, not your credit history. Call us and we’ll find a path forward.
Will applying affect my credit score?
Depends on the lender. Wisetack and Foundation Finance use a soft pull that doesn’t affect your score. Kwik Comfort (Synchrony) and Service Finance Company both do a hard pull, as they are traditional credit-based lenders. Our PACE programs — Renew Financial and Home Run Financing — don’t check credit at all; they’re based on your property. We’ll advise on the best option when you call.
Can I finance a repair, not just a replacement?
Yes — most lenders finance repairs as well as new installations. Minimum amounts apply. Ask when you call.
Kwik Comfort · Wisetack · Foundation Finance · Service Finance Company · Renew Financial · Home Run Financing
AC Financing in Boca Raton: Frequently Asked Questions
What financing options do you offer for AC replacement?
We work with several lending partners, including Synchrony and Service Finance, as well as PACE programs such as Renew Financial and Home Run Financing. We will help you compare options for your situation.
Is 0% interest financing available?
Yes. 0% interest options are available for qualified buyers, subject to credit approval.
Will applying for financing affect my credit?
It depends on the lender. Some lenders offer prequalification, while a full application with a traditional lender can involve a hard credit inquiry. Ask us before you apply and we will explain what to expect.
What is PACE financing?
PACE programs such as Renew Financial and Home Run Financing are generally repaid through your property tax bill and are typically not based on your credit score. Availability depends on your property and the program.