FTL Financing

FTL Finance


HVAC Financing Solution

Chances are you weren’t expecting to make an HVAC purchase and most families don’t have $5,000.00 or more on hand for this type of expense. This is where Working Class Heating and Air, partnered with FTL Finance, can benefit you. Not only is financing a great option for when you have an emergency expense, but also for when it makes sense to use your financial reserves for something else.

Why FTL Finance is a great choice….

  • You’re more than a credit score, we look at your overall financial picture
  • There are no prepayment penalties
  • No default rate for missed payments or after a deferred interest period has expired
  • Simple paperwork
  • Automated response to credit applications
  • Online/auto payment options with no charge

Easy, Simple Financing

FTL Finance specializes in the financing of consumer HVAC equipment. FTL Finance approves the consumer’s credit application; then Working Class Heating and Air can schedule the installation. FTL will pay the amount financed to the contractor directly when the installation is complete. The consumer will then receive billing information from FTL Finance. The consumer will contact FTL directly for all billing related customer service.

What We Finance

All Equipment MUST have a model and serial number:

  • Furnaces
  • Air Conditioners
  • Condensers
  • Coils
  • Air-Handlers
  • Heat Pumps
  • Generators
  • Oil-Burners
  • Wood Furnaces/Pellet stoves
  • Electrical Panels
  • Humidifiers
  • Boilers
  • Water Heaters
  • Tank-less Water Heaters
  • Water Filtration Systems
  • Geothermal Systems
  • Solar Panels
  • Zoning Equipment

FTL Finance can finance your service only projects such as ductwork, duct cleaning, insulation and small plumbing projects up to $5,000 without a model and/or serial number.If you do not see the HVAC equipment you want to finance, please call 800.981.9032
Click below to be taken to our partners secure application page: 

To Apply For FTL Finance