HVAC Financing for Homeowners In and Outside of Pinellas County, FL

Good Credit? Bad Credit? No Credit? No Problem!

At Joe Cool Home Services, we know that sometimes HVAC concerns in your home can lead to an unexpected expense. In times like these, it’s good to know HVAC financing is an option. That’s why we offer our customers financing through several banks, including Wells Fargo. We even have rent-to-own options.

Joe Cool Home Services offers air conditioning service and air conditioning installation for locations including Pinellas County, FL, as well as:

  • Hillsborough County, FL
  • Pinellas Park, FL
  • St. Petersburg, FL
  • Largo, FL
  • Lealman, FL
  • Seminole, FL
  • St. Pete Beach, FL
  • Treasure Island, FL
  • Kenneth City, FL
  • Gulfport, FL
  • Feather Sound, FL
  • South Pasadena, FL

The HVAC Financing Companies We Work With

Through our relationship with multiple lenders, Joe Cool offers a variety of flexible options for HVAC financing on your new product or system.

  • Convenient low monthly payments – terms up to 120 months available
  • Up to 60 months 0% APR
  • Preferred interest rates
  • Flexible terms
  • Rent to own

Air Conditioning Financing Options

HVAC Financing for Homeowners in and outside of Pinellas County, FL

When you live in Hillsborough County, FL, that means you need air conditioning when the summer season hits. It’s simply not a luxury, as anyone who’s had to suffer through a hot July without an air conditioner can attest. And that means you should have one in your home even if your credit isn’t as great as it could be, or you need a payment plan to close the deal.

At Joe Cool Home Services, we offer all kinds of air conditioning financing options for the installation or repair of an AC system, including flexible terms, low monthly payments 0% APR for up to 60 months depending on your needs.

HVAC Financing for Challenged Credit

In a place like Pinellas County, FL, air conditioning is as much a necessity as running water and electricity. Our summers are too hot and brutal to simply go without. But we’re still emerging from the Great Recession, and a lot of good, hard-working people took a credit hit while making ends meet in the last few years.

Here at Joe Cool Home Services, we want to be there for our neighbors and our community, which means we offer friendly HVAC financing for customers with challenged credit. That includes low payments, flexible payments and even options with no out-of-pocket expense. Contact us today, and let’s set up a financing plan that works for you!

Rent-to-own option:

Our innovative rent-to-own strategy provides unmatched flexibility to consumers through quick response times, and multiple payment terms/options available.

We help restore the Heating/Cooling needs of the consumer with an affordable monthly payment options.

24-Hour Approval Process

  • Step 1: Completed Application.
  • Step 2: Successful Interview with a Relationship Manager.
  • Step 3: Consumer authorization for an affordable monthly payment AND receipt of initial payment.
  • Step 4: Homeowner(s) sign the Rental Purchase Agreement.
  • Step 5: Dealer completes the installation and the homeowner signs the installation acknowledgement form.


  • Applicant(s) or Co-applicants(s) must be homeowners
  • Homeowner(s) must provide a valid ID.
  • Homeowner(s) must have active bank account.
  • Homeowner(s) must provide verification of monthly income that is current within the last 30 days.
  • Homeowner(s) must possess comfort level with monthly payment associated with a RESIDENTIAL REPLACEMENT system. (Up to 12% of verified monthly income).

Multiple Discounts Available

  • Early Payoff Discounts (Up to 40%)
  • Referral Rebate
  • Insurance Discount
  • Monthly Payment Discounts

Plus, by taking advantage of our financing, you won’t use up your existing funding sources, like a home equity line of credit, credit card or bank account. They’ll still be available when you need them. To find out which financing options are available to you, or to learn about our special financing promotions, just contact Joe Cool Home Services to speak with one of our qualified financial advisors.

Get HVAC Financing for Your Home Today!

Are you ready to get your home up and running like it should be? If so, take advantage of our HVAC financing options today by giving our crew at Joe Cool a call!