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Promotional Financing 

Choose 1 of 2 Lenders Below 

IDEAL IN AIR strongly suggest you carefully read each of the Financiers terms and conditions as well as our website summery and compare each of them before you make any financial decisions. Individual plans may affect individuals differently as some may be a better fit for you personally than others.

  • Installs or Repairs

  • $300 minimum 30k max

  • Requires Credit Approval

  • 6 Lending Options

  • Up to 10 year Loans



  • Equipment Installs Only

  • $2,500 minimum 15k max

  • Challenged Credit is OK!!

  • Easy Approval

  • 3-7 year Loans

No Longer Available

With promotional financing from IDEAL IN AIR L.L.C., major purchases don’t have to wait. Get the quality service, repair, installation or replacement you want now and pay over time. This helps to make our quality Heating & Air Conditioning experts even more affordable. Whether you need to finance any Repair, Installation or Replacement, we can get it done.

We offer several Financing plans from 2 separate lenders to provide you with the best financing options available. Where as FTL has the lowest interest rates and Microf is for Equipment only and for people with challenged credit



Lease Purchase with Microf, Almost Everyone is approved.


  • Homeowner (Land and Home),
    Active US bank account, No active bankruptcy

Items Needed for Application:

  • Customers Legal Name, Home Address, DOB, SSN#,
    Bank Acct and Routing #, Quote info

Approval Process:

  • Application submitted through contractor portal or personalized consumer URL link

  • Customer obtains Instant Decision Electronically
    (Preapproved, Further Review, Declined)

  • Customer calls Microf at 855-642-7631
    Identify/Verify Quote info with sales rep, identify if
    proof of income is required, finalize payment options,
    make 1st payment, and
    sign Lease through DocuSign

  • Contractor authorized for install via portal & email
    notification after initial payment processed and
    Lease signed.

Click Logo to apply



Month                                    Discount                      

Anytime from month 1-24      40% off remaining total of payments to ownership

Anytime from month 25-36    30% off remaining total of payments to ownership
Anytime from month 37-59    20% off remaining total of payments to ownership

Example Scenario:

3 Year Term. 36 payments @ $255/month. $5,000 Cash Price.
Total Contract Price (TCP): $9180. Payoff after Month 5.
• Payments Made = $255 x 5 months = $1275
• Early Payoff Amount = 60% x ($255 x 31 months remain) = $4743
• Total Price Paid: $6018 ($3162 savings or 34% off TCP

FTL Finance

FTL Finance

FTL requires less to be Approved, offers other lending options for those that don't qualify for standard financing and has the lowest interest rates.

  • A simple application process, and fast credit decisions

  • Unsecured loans

  • Promotional financing options

  • Convenient monthly payment options

  • Online account management

Deferred interest same as cash promotions -

* No Minimum Monthly Payments Required during promotional period *Subject to credit approval. See store for details.

Financing Plans offered by FTL

Product       Type       Term     Rate    Payment    Min - Max Loan


L1410           Installment  120 months  14.99%    0.016128          $1,000 - $35,000

LR0084        Installment    84 months   15.99%   0.019854          $1,000 - $35,000

LR0060        Installment    60 months   15.99%   0.024309          $1,000 - $35,000

LR1215        Installment    12 months   15.99%   0.09066            $300 - $999

L9036           90 day         36 months    15.99%   0.03607            $1,000 - $35,000

                    Deferred *     

L0660             6 mo.         60 Months    15.99%   0.02313            $1,000 - $35,000

                    Deferred *     

Click Logo to apply

Synchrony Bank
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