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Air Conditioning Loans

Who We Are assists home owners seeking Affordable options to purchase a NEW Air Conditioning Unit with loan financing and matching them with a quality installation contractor in their area.

No matter the shape of your credit profile and credit history, can help you improve your credit rating while also helping you improve your home cooling and heating system. Because our underwriters take the time to personally examine each loan application individually, is able to ensure your best chance for loan approval quickly and confidentially. We allow you to apply through our secure on-line automated system, over the telephone or via fax. Whichever method you choose to use, typically responds with a loan decision within 5 minutes. (ACL) a subsidiary of Xpress Financial is a specialty finance company located in Miramar, Florida providing Contractors with financing for their Customers. ACL operates from one central location providing financing through its dealer network throughout the following States:

Alabama Alaska Arizona Arkansas
California Colorado Connecticut Delaware
Florida Georgia Hawaii Idaho
Illinois Indiana Iowa Kansas
Kentucky Louisiana Maine Maryland
Massachusetts Michigan Minnesota Mississippi
Missouri Montana Nebraska Nevada
New Hampshire New Jersey New Mexico New York
North Carolina North Dakota Ohio Oklahoma
Oregon Pennsylvania Rhode Island South Carolina
South Dakota Tennessee Texas Utah
Vermont Virginia Washington West Virginia
Wisconsin Wyoming takes the worry and potential embarrassment out of the loan approval process. With convenient pre-financing options, you can know if you are eligible to receive financing before you schedule a new air conditioning replacement. We offers an extensive array of loan options with interest rates ranging from 2.0% to 12.9% and a full range of payment plans to choose from. offers fixed term loans up to 60 months with 100% No payments for 6 month or 12 month w.a.c., and revolving line of credit with 6, 12, 18, and 24 month deferred interest plan, no pre-payment penalties, 0% interest on approved credit with loans from $1,000 to $30,000 are available. We make payments directly to your quality contractor of choice after the installation is complete. Once your signed loan contract is received in our offices, payment can be issued within 24 hours via wire transfer or overnight check to the installing contractor. Since you donít have to worry about payment to your contractor, you can concentrate on having the best energy saving cooling and heating system. Most importantly, offers exceptional customer care. We are always available to answer your questions, help with payment plans and discuss your loan qualifications. offers all of our services in Spanish and English.
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Our Business Model business model is different than most financial institutions. We focus primarily on loans and leases for air conditioning system HVAC for consumers or businesses. We underwrite or we outsource to banks that bid on your loan or lease request, in turn that allows you to get approved at the lowest interest rate with a broader credit scores approved. We finance what we know, Air Conditioning home comfort systems. We can offer customers the benefit of our industrial experience and our domain expertise across the industries. Get the purchasing power you need so you can buy what you want today. Put it all on a new account from and get convenient low minimum monthly payments. *Low as $ 20.00 a month

  • Quick and simple application process
  • Instant credit decisions

  • Low minimum monthly payments*
  • Special financing opportunities*
  • Conserve money on an unexpected purchase

  • Worry free online application process
  • Dependable and safe access 24/7 approval process

The Power of

Rely on the financial stability of a trusted company., —can help you finance your dreams and make them reality!
The Offer: 3, 6, 12 or 18-Month Same-As-Cash

  1. No money down
  2. No payments (there’s a 3, 6, 12 or 18 month payment deferral)
  3. No interest (if paid in full during the SAC period)

Provides More Value

  1. Get your new Air Conditioning System Today—No hassles finding cash for a down payment
  2. No additional expense—Use the bank’s money interest-free  (if paid in full
    during the SAC period) & no closing costs or prepayment penalties
  3. It’s quick and easy—a paperless, telephone application with a credit
    decision in about 10 minutes
  4. A more secure choice—provide your personal information directly to the
    bank & we make sure you are satisfied with the job before we pay the dealer.

“One of the benefits of working with our company for your home improvement air conditioning project is 180-Day or 365 Day Same-As-Cash as a payment option.  Many customers like the no interest and no payment features.”

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3350 SW 148 Avenue # 110, Miramar, Florida 33027 | Toll Free: 866.688.6608 | Fax: 866.922.2450
A Wholly Owned Subsidiary of Xpress Financial