Why Read This? Because replacing your AC shouldn’t mean draining your savings. Let’s explore how Florida’s PACE Program and other smart financing options (like CoolNow™) can help you stay cool—without dropping a dime upfront.
Let’s Be Honest: Replacing Your AC Feels Overwhelming
You’re sweating through another Florida summer, your HVAC system is on life support, and you’re wondering:
“How am I supposed to pay for this?”
We hear it every day—and you’re not alone.
The good news? If you’re a Florida homeowner, you’ve got more financing options than you think, including ZERO down plans through programs like the Florida PACE Program and trusted HVAC providers like CoolNow™.
This article breaks it all down for you—no jargon, no sales pressure, and absolutely no nonsense.
What is ZERO Down HVAC Financing?
It’s exactly what it sounds like: you pay nothing upfront to replace your HVAC system.
Instead, you finance the cost through flexible monthly payments—usually with low or no interest, depending on the program.
Why It’s Popular in Florida:
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AC systems work harder here
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Replacements are often unexpected (thanks, hurricane season)
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Energy bills skyrocket with outdated equipment
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Homeowners need fast, affordable solutions
What is the Florida PACE Program?
PACE stands for Property Assessed Clean Energy.
It’s a state-approved program that helps Florida homeowners finance energy-efficient upgrades—like HVAC systems—through their property taxes.
🔑 How It Works:
Florida PACE is a voluntary financing program that allows property owners to finance eligible projects, such as solar panels, energy-efficient windows, doors, roofing, insulation, and hurricane protection measures, with the repayment added to their property tax bill.
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You get 100% financing with $0 down
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No upfront payments, ever
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The loan is attached to the property, not the person
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Payments are made through your property tax bill
👉 Learn more about Florida PACE program here
Who can participate:
Both residential and commercial property owners in participating Florida counties can participate in the PACE program.
How to get started:
Property owners can check if their county participates in the program and then contact a Florida PACE provider like CoolNow™ to learn more about the program and the projects that qualify for financing.
Florida PACE Program: Pros & Cons
| Pros | Cons |
|---|---|
| $0 down financing | Only available in certain Florida counties |
| No minimum credit score | Not all HVAC contractors are approved to work with PACE |
| Spreads payments over 10-20 years | It’s a tax lien on your property |
| Stays with the property (not your credit) | May affect your ability to refinance or sell your home |
Is it right for you? It depends on your long-term goals, credit status, and how long you plan to stay in your home.
Pro Tip: Make sure your HVAC contractor is PACE-approved and licensed.
👉 ClimaCore is fully licensed & insured. Learn more
Have more questions? Click here for FAQ’s about Florida PACE Program
Is $0 Down HVAC Financing Too Good to Be True?
We get this question a lot. And fair enough—there are too many “gotchas” in the industry.
But here’s what makes programs like CoolNow™ and PACE different:
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Clear terms (no surprise fees hiding in the shadows)
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Licensed HVAC experts, not just loan salespeople
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Customer-first service (because we’re not robots)
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Flexible approvals that don’t gatekeep based on credit
No gimmicks. No sleaze. Just real solutions built for real Florida homeowners.
Stay CoolNow™ Without Breaking the Bank
Your HVAC shouldn’t feel like a luxury item—it’s a basic comfort need in Florida. Whether you’re dealing with an emergency or planning an upgrade, $0 down financing can make it happen—without the stress.
At CoolNow™, we believe:
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Everyone deserves cold air, even with bad credit
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Financing should be fast, fair, and fully explained
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There’s always a way to help, even if you’ve been told “no” before