Comfort now. Pay over time.
Don't let a broken system — or an outdated one — cost you comfort or safety. Flexible financing and our new HVAC lease make it easy to get the equipment your home needs today.
Low Monthly Payments
Spread the cost of a new system into affordable monthly payments.
Fast Approval
Get a decision in minutes with our online application.
Trusted Lenders
We partner with the industry's most reputable financing companies.
0% APR Options
Qualified buyers can take advantage of 0% APR promotional financing.
A brand-new HVAC system for $0 down.
Our HVAC Subscription puts a new high-efficiency heat pump in your home with no upfront payment and one predictable monthly payment. Installation, scheduled maintenance, and covered repairs are all included for the term of the lease (about 10 years) — so your comfort is handled, end to end.
Brand-New High-Efficiency Heat Pump
A new, properly sized system matched to your Central Florida home.
Professional Installation
Turn-key install by our licensed HVAC team (CAC1823565) — no upfront cost.
Maintenance Included
Scheduled tune-ups and priority service for the full term of the lease.
Repairs Covered
Covered repairs on the leased equipment — no surprise repair bills.
What’s included in your HVAC lease
One monthly payment covers the essentials, plus priority service for the life of the agreement.
| Coverage | Included | Details |
|---|---|---|
| Equipment | Included | Brand-new high-efficiency heat pump, air handler, and digital thermostat matched to your home. |
| Installation | Included | Complete, code-compliant turn-key installation by our licensed HVAC team. |
| Maintenance | Included | Seasonal tune-ups, filter checks, and system cleaning for the full lease term. |
| Repairs | Included | Covered parts and labor for normal wear and tear on the leased equipment. |
| Response Time | Priority | Same-day or next-day emergency response for lease customers, 7 days a week. |
| Service Area | Limited | Coverage within the iContracting Central Florida service area; ask us about your ZIP code. |
End-of-term options
At the end of your ~10-year term, you're in the driver's seat. Choose whichever option fits your home and budget:
Buy Out the System
Purchase the equipment at a pre-agreed end-of-term price and keep it in place.
Renew at a Reduced Rate
Continue the same reliable coverage at a lower monthly payment.
Lease a Brand-New System
Upgrade to the latest high-efficiency equipment on a fresh term.
Estimate your HVAC lease payment
Adjust the system cost and term length to see an estimated monthly payment with $0 down.
Based on a $12,000 system over 10 years with $0 down. Installation, scheduled maintenance, and covered repairs are included.
This is an estimate only. Final payment depends on credit approval, equipment selection, and your specific agreement terms.
Get a Lease QuoteHVAC financing loan partners
Prefer to own your system? We work with trusted third-party lenders to offer flexible loan options for homeowners across Central Florida.
GoodLeap
Get a new AC, furnace, or heat pump installed now and pay over time with fixed monthly payments. No hidden fees, no long waits — just fast, simple financing for Central Florida homeowners.
- Fixed monthly payments you can budget for
- Apply in minutes and get a quick decision
- Install today, pay over time
Foundation Finance
Affordable HVAC financing built for every credit situation — including near-prime. Take advantage of low monthly payments, same-as-cash, and deferred payment options that work for your budget.
- Low monthly payments for most budgets
- Options for near-prime credit scores
- Same-as-cash and deferred payment plans
Concert Finance
Finance a complete high-efficiency HVAC system with loan amounts up to $67,500. Flexible 5-, 10-, or 12-year terms, first payment deferred, and options to re-amortize as your situation changes.
- Loan amounts from $6,000 up to $67,500
- Rates starting at 5.99% APR with flexible terms
- First payment deferred until after installation
- Re-amortization options at 12, 24, and 36 months
Compare financing options
A quick side-by-side look at rates, terms, and eligibility notes.
| Lender | Rates | Terms | Loan amounts | Eligibility notes |
|---|---|---|---|---|
| GoodLeap | Competitive fixed rates | Flexible monthly terms | Varies by project | Quick online decision; good credit recommended |
| Foundation Finance | Reduced APR & same-as-cash promos | Deferred & promotional options | Varies by project | Options for near-prime credit; flexible approvals |
| Concert Finance | Starting at 5.99% APR | 5, 10, or 12 years | $6,000 – $67,500 | Strong credit preferred; first payment deferred |
These are third-party lenders. All financing is subject to credit approval and terms may vary based on lender, credit profile, and program details.
HVAC subscription questions, answered
Everything you need to know about the iContracting HVAC Lease before you sign up.
What is included in the HVAC Lease / Subscription?+
Every subscription includes a brand-new, high-efficiency heat pump system, professional installation, seasonal maintenance tune-ups, and covered repairs on the leased equipment for the full term of the agreement. You get one predictable monthly payment and priority scheduling as a lease customer.
Do I pay anything upfront?+
No. The HVAC subscription is designed to be $0 down — you pay no upfront equipment or installation cost. Your first monthly payment begins after the system is installed and running in your home.
What are my options at the end of the lease term?+
At the end of your ~10-year term, you can choose to buy out the system at a pre-agreed price, renew the same coverage at a reduced monthly rate, or upgrade to a brand-new system on a fresh lease term.
Can I buy out the system before the lease ends?+
Early buyout may be available depending on your agreement. Contact us and we'll review your remaining term, current buyout schedule, and the best path forward for your home.
What repairs and maintenance are covered?+
Covered repairs include parts and labor needed to keep the leased heat pump operating properly. We also include preventive maintenance visits each year to clean coils, check refrigerant, test components, and keep efficiency high.
What is not covered by the lease?+
Damage caused by neglect, unauthorized modifications, or events outside normal use — such as storms, floods, or power surges — typically falls outside the lease coverage. Your agreement will list the full exclusions and your responsibilities as a homeowner.
What happens if I sell my home or move?+
Most leases can be transferred to the new homeowner, or you can exercise an end-of-term or early buyout option depending on where you are in the agreement. Let us know as soon as you have a closing date so we can handle the transfer smoothly.
Can I cancel the HVAC subscription?+
The lease is a fixed-term agreement, so cancellation options depend on the terms you signed. Early termination may require payment of the remaining balance or a cancellation fee. We'll explain all options clearly before you commit.
Is credit approval required?+
Yes, the HVAC lease requires a credit approval, but the application is quick and can often be completed in minutes. Our team will walk you through the application and let you know your approved monthly payment before installation is scheduled.
How is the lease different from traditional financing?+
Traditional financing lets you own the system immediately and pay it off over time. The HVAC lease is a subscription-style agreement where you pay one monthly fee that covers the equipment, install, maintenance, and repairs — with flexibility at the end of the term.
Ready to apply?
Give us a call and we'll walk you through your best options — no obligation.
Talk to a Comfort AdvisorFinancing and lease subject to credit approval. Lease terms, included services, and end-of-term pricing detailed in your agreement. Terms and conditions apply.