COMFORT AIR CARES ABOUT YOU

TAMPA AIR CONDITIONING FINANCING

At Comfort Air, we care about finishing your project accurately and efficiently in a way that works for your budget. That's why with the help of Hearth Financing, we offer different types of payment options to make it easier for you to get what you need.

Financial Options With Hearth Financing

Comfort Air Heating and Cooling, Inc. has partnered with Hearth Financing so we can help you find solutions that best fit your needs. We are your choise for air conditioning financing in Tampa.

We care about our customers. And we also understand that a heating or cooling system is quite an investment. That's why we want to help you get an approved credit, if needed, through Hearth Financing. Not only that, but we also provide free estimates and free surveys for new installations.

The best thing about working with Hearth Financing is that you can pay for your project with predictable, monthly payments without tapping into your home equity.

Multiple Financing Options

Hearth Financing works with 13 lenders to find competitive personal loans and credit cards for your needs.

Simple Pre-qualification

The process takes less than 2 minutes and will not affect your credit score.

Loans typically fund in 1-5 days

If approved, funding with one of Hearth’s lending partners is fast and simple, and can be deposited as early as 24 hours.

Monthly Payment Options

60 second pre-qualification | Does not affect credit score

Get my rates

Frequently Ask Questions For Tampa Air Conditioning Financing

Will filling out the prequalification form affect my credit score?

No. When you complete the prequalification form, lenders perform a "soft" credit inquiry. This allows you to compare lender offerings without affecting your credit score.

Can I pay back my loan early without penalties?

Yes. All 13 of our lenders have no prepayment fees which means you can pay back your loan before the end of its term at no additional cost.

What is the difference between secured and unsecured loans?

An unsecured loan is not linked to a specific piece of property or collateral. The collateral is what the borrower agrees to give to the lender if the borrower does not pay back the loan. A secured loan, on the other hand, always has some form of collateral, like a car or a house of which the lender can take possession in the event of default.

How is APR determined for prequalified offers?

Lenders look at many factors, including your credit history, current debt-to-income ratio, your income, and your expenses in assessing your creditworthiness.

How soon will I get my money after my loan is approved?

You can usually expect to receive your money in as little as 1-5 business days.

What is the minimum loan amount?

In most states, the minimum loan amount is $1,000, but we recommend requesting at least $2,000, as several of Hearth’s lenders only make loans of $2,000 or greater.

I’m not sure when my project will begin. If I take out a loan, can I delay the funding?

Most of our lenders do not offer delayed funding, but please confirm with your chosen lender. For instance, at least one of Hearth's lenders allows you to schedule the deposit 45 days after approval.

Can I finance more or less than the exact cost of my project?

Yes, of course! Hearth’s offers page will display a range of loan options. You can choose to finance a lesser amount, the exact amount, or a higher amount so you can get the project and payments that best suit you.

When is a good time to add a coborrower to my loan request?

Consider adding a co-borrower if you do not qualify for a loan or would like to see lower APRs, if possible. You and the co-borrower would both sign the loan agreement and be liable for the loan.

Will I need to verify my income?

Yes, Hearth’s lending partners require that applicants provide information to prove the source of the income they state.

If I don’t see offers, can I try again with a co-borrower?

Yes. If you did not see any offers on the first try, you can fill out the pre-qualification form again and add a co-borrower. Adding a co-borrower may help you qualify for a loan or lower interest rates.