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Need financing for your broken AC? We can help!

Synchrony Bank Financing for HVAC, AC repairs, air conditioning

Synchrony offers up to 18 months deferred interest to qualified customers.

After applying, you MUST contact  the 3H office with the new account number to complete the financing process.

AC Financing for Bad Credit

If you have bad credit or a low credit score, getting financing for a new central air conditioning unit can be challenging. Chances are that, if you’ve already applied for financing, your application was rejected. 

However, the story doesn’t have to end there. AC financing for bad credit exists. So, even if you don’t have enough money in savings, you can finance a new HVAC unit. 

In Tampa, having air conditioning indoors isn’t a luxury—but a necessity year-round. Tampa’s humidity brings the heat index over 100 from May to September, and it’s still almost unbearable without an AC during other months. You can feel like you’re melting inside a non-air conditioned Tampa home nearly year-round, but you don’t have to.

With financing available for bad credit, there’s no need to go without a cooling system in the Tampa heat. And with quick financing, you don’t have to continue to endure indoor heat without an air conditioner or wait to start your home improvement project. There are ways to finance a new AC installation, even if you have bad credit or a low credit score. 

Our financing partners provide a solid pathway for homeowners to finance their central air unit. Our partners fund new AC systems with affordable payment plans to fit any budget. The best part about getting financing through our partners is that you don’t have to worry about having good credit.

Tampa AC financing can be challenging if you have bad credit. Other HVAC companies may have denied you credit, but 3H AC puts you in control again by helping you find the best HVAC unit financing options available.

Why Is It Hard to Get a Loan With Bad Credit?

When a potential lender does a credit check and finds that you have a low credit score, they worry that you may miss a loan payment to them in the future. 

>People who have bad credit often have negative marks on their credit. So, getting AC unit financing with bad credit can feel impossible.

>Factors that affect your credit include the following:

Your payment history 35%
The amounts you owe to creditors 30%
How long you’ve had a credit history 15%
Recent applications for additional credit 10%
Number of credit types you have 10%

So, what exactly can cause your credit score to be lower?

  • Paying your bills 30+ days late
  • Having your accounts sent to collections
  • Charge-offs
  • Debt settlements
  • Bankruptcies
  • Foreclosures
  • Lawsuits
  • Wage garnishments
  • Liens
  • Public judgments against you
  • Having credit accounts at their upper limits
  • Not owing anything on your credit accounts
  • Applying for a lot of credit cards or other credit recently
  • Not having a lot of types of credit

Your credit score will be lower if the negative event happened more recently or if it happens regularly. So, if you missed several payments five years ago, your credit score will probably be higher than if you missed several payments a year ago. 

While being late with payments or missing payments can happen to anyone for a number of reasons, lenders prefer to lend to people with good credit because they are lower risk. 

If a lender sees a low credit score, it indicates that you’ve struggled to pay your bills in the past and may not pay off your loan with them with interest so that they profit. Seeing a low credit score is an indicator to most lenders that you’re more likely to become delinquent with paying them as well. If you have a low credit score for lack of using credit, you’re an unknown risk. 

Many lenders don’t like to take chances lending to someone who may have a history of being late or missing payments. As you can imagine, funding someone with a lower credit score increases the likelihood that the lender could be left unpaid.

Most lenders have decided to limit their risks by only lending to borrowers with good credit. As a result, finding air conditioning financing for bad credit can be a formidable task. 

A Second Chance

Have you been feeling like you’re stuck because you have no credit or bad credit? At 3H AC, we don’t think that being able to repair or replace your HVAC system with a new HVAC system should be limited to people who have good credit. 

Now that you know that AC financing exists for people with bad credit, there’s hope. If you’re trying to figure out how to finance a new AC unit with bad credit, look no further. You can easily get financing for your 3H AC project regardless of your credit history. 

Our financing partners offer financing with affordable monthly payments for your new unit regardless of whether you have excellent credit, bad credit, or no credit. 

What can you expect from our AC financing partners?

  • Quick funding and qualification
  • Affordable, low monthly payment options
  • Sensible repayment terms
  • Reasonable interest rates
  • Rebuilding your credit through a second chance 
  • Early payoff options

There’s no need to wait months to install your new air conditioner while you try to improve your credit score. Our financing partners are ready to give you a second chance now so that you can restore your home to a more comfortable temperature in Tampa’s sweltering heat. 

Getting credit with one of our financing partners is extremely easy. Just follow these steps:

  1. Choose one of the financing partners on this page.
  2. Click the appropriate link to complete the application process.
  3. Fill out any appropriate forms
  4. Wait for your funding approval
  5. Contact the 3H AC office with funding approval account information to complete the finance process.

We’ve found Synchrony to be the most user-friendly option. If you’re having difficulty with the application process, you can call 3H AC, and we can help you apply over the phone. The good news is that they will let you know almost immediately if your credit application is approved. 

With quick financing available regardless of your credit history, starting the process of getting a new HVAC unit from 3H AC is within your grasp today, contact 3H AC today

From good, bad or no credit – we have many other Financing options available. Check out our other Financing partners below. (Make sure you review the short descriptions and select the one that best fits your situation)

Service Finance

Service Finance is a great option for customers with good, excellent or just okay credit.

They have many Financing options; many plans provide low monthly payments and they even have some plans with zero interest financing (based on your qualification)!

Click the link below and fill out the pre-qualification form or feel free to call the office if you would like more information about other options available with them (the office can even provide you some Service Finance monthly payment estimates).


Now, individuals with no credit or bad credit don’t have to be stuck. Flexxbuy’s No Credit Needed Lease Option can help people, regardless of credit, up to $6,000. Unlike other lease programs, Flexxbuy can accommodate the entire project, even installation.


Do you have credit challenges? Okinus has flexible options to lease-purchase high quality merchandise at an affordable price while rebuilding individual credit. The good news is you finally have instant access to funds – with no credit necessary.

What Our Clients Say

Emily C.

Tampa, Florida

We have been working with 3H for about 6 years now. Their technicians are always prompt, honest, and helpful. Their pricing is very competitive. I would recommend them to anyone.

Katana E.

Sarasota, Florida

My air conditioner went out over a week ago. When I noticed my a/c wasn't working, and it was tripping the inside breaker. I reached out to 3H contracting the owner Brian sent Tristan out the very next day. Definitely will use them in the future for all my a/c & heating needs.

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