A new AC system in Fort Myers typically costs $8,000-$15,000 depending on size and features. That's a significant investment for most Southwest Florida families. The good news? You don't need that much cash upfront. 0% financing makes a new HVAC system affordable with monthly payments that often cost less than your electric bill savings.
Here's how AC financing works in Cape Coral and Fort Myers, and why our 0% offer beats paying cash or using credit cards.
The Real Cost: Financing vs. Credit Cards
$10,000 system on credit card (18% APR, 5 years): $253/month = $15,184 total. You pay $5,184 in interest alone.
$10,000 system with 0% financing (60 months): $167/month = $10,000 total. Zero interest. Zero fees.
You save $5,184 with our financing!
Why 0% Financing Makes Sense in Southwest Florida: Your old, inefficient AC is costing you $150-250/month in electricity during Naples' brutal summers. A new high-efficiency Ruud system cuts that by 30-40%. Your monthly payment on financing is often less than your monthly electric bill savingsāmeaning you're cash-flow positive from day one.
Example: Old AC costs $200/month to run. New Ruud system costs $130/month. You save $70/month. Your financing payment? $167/month. Net cost after savings? Only $97/month for a brand new system with 10-year parts and labor warranty.
No Hidden Fees: Unlike other Fort Myers HVAC companies that advertise low rates but charge application fees, processing fees, or prepayment penalties, our 0% financing on Ruud systems is truly zero interest with no hidden costs. You know exactly what you'll pay from day one.
Who Qualifies for 0% Financing?
Most Fort Myers homeowners with decent credit (usually 650+ FICO) qualify for our promotional financing. The application takes 5 minutes and approval is usually instant. We work with multiple lenders to get you approved even if you've been turned down elsewhere.
Limited Time Offer: Our current 0% for 60 months promotion on Ruud systems runs through April 30th. After that, rates may increase. If your AC is 10+ years old or showing warning signs, now is the time to lock in this financing before Florida's summer heat arrives.
HomePros has helped hundreds of Cape Coral and Bonita Springs families afford new AC systems through our financing programs. Don't suffer through another summer with an unreliable system because you're worried about costālet's find a payment plan that works for your budget.