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.
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Installs or Repairs
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$300 minimum
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Requires Credit Approval
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6 Lending Options
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Second Chance Financing
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Up to 10 year Loans
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Equipment Installs Only
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No Qualifying
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Bad Credit is OK!!
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Easy Approval
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2 Lending Options
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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
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RTO Has 2 Options To Choose From
1. Lease Purchase with RTO National, Everyone is approved.
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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
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No credit check required
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No Driver’s License
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No proof of income
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Lease up to $15,000
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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:
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No Driver’s License
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No proof of income
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$0 down to 10% down based upon FICO
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Minimum FICO Score of 680
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With early buyout options (again, no penalties)
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3-5 year terms up to $20,000 for Finance
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The customer owns the unit and RTO National is the financing source
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The customer builds equity as they make payments.
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Flexible payment terms
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24/7 instant approval
Click Logo to apply
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.
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A simple application process, and fast credit decisions
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Unsecured loans
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Promotional financing options
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Convenient monthly payment options
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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
Factor
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