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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

  • Requires Credit Approval

  • 6 Lending Options

  • Second Chance Financing

  • Up to 10 year Loans

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  • Equipment Installs Only

  • No Qualifying 

  • Bad Credit is OK!!

  • Easy Approval

  • 2 Lending Options

  • 3-5 year Loans

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 RTO will finance even with no credit check but only for five years which means higher monthly payments.

RTO National

RTO National
  • RTO Has 2 Options To Choose From

1. Lease Purchase with RTO National, Everyone is approved.

  • Lease Purchase: No Driver’s License, No credit check , No proof of income.  It is a month-to-month contract with early buyout options (no penalties). RTO National purchases the unit from the dealer, and we lease it back to the customer. 3–5-year terms up to $15,000

  • No credit check required

  • No Driver’s License

  • No proof of income

  • Lease up to $15,000

  • One month down

Click Logo to apply

2. Traditional Finance: No Driver’s License and No proof of income.
$0 down to 10% down with approved credit.

Traditional Finance:

  • No Driver’s License

  • No proof of income

  • $0 down to 10% down based upon FICO 

  • Minimum FICO Score of 680

  • With early buyout options (again, no penalties) 

  • 3-5 year terms up to $20,000 for Finance

  • The customer owns the unit and RTO National is the financing source

  • The customer builds equity as they make payments.

  • Flexible payment terms

  • 24/7 instant approval

Click Logo to apply

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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