0% interest options available. Up to $25,000. Apply in minutes from your phone without impacting your credit score. No one in Polk County should suffer through a Florida summer because of finances.
Top Notch Air Conditioning & Heating offers financing through Wisetack — a leading consumer lending platform for home services. You can finance any HVAC installation or repair with loans up to $25,000, including 0% interest promotional options for qualifying customers. The application takes just a few minutes from your smartphone, and the initial credit check is a soft inquiry — it won't affect your credit score.
We believe every Polk County family deserves reliable HVAC comfort. Florida summers are not optional, and a failed AC or aging system shouldn't put your family in danger because a large payment isn't immediately possible. Financing a new Carrier system often costs less per month than the energy savings you gain from replacing an old, inefficient unit — making it a genuinely smart financial move, not just a convenience.
Getting approved is fast, easy, and doesn't require a hard credit pull to see your options.
Call (863) 875-5500 or schedule online for your free in-home estimate. We'll assess your needs, measure your home, and provide written pricing for the systems that fit your situation — no pressure, no obligation.
Once you have your estimate, apply for Wisetack financing directly from your smartphone. The application takes just a few minutes and uses a soft credit inquiry — it won't impact your score. See your loan options immediately.
Select from available loan options — 0% interest promotions (for qualifying credit), extended-term monthly payment plans, or other options based on your approval. Choose the plan that fits your monthly budget.
Once your financing is approved and you've selected your system, we schedule installation — often within 1–3 business days. You pay nothing upfront; loan payments begin according to your selected plan terms.
Wisetack is a consumer lending company focused specifically on home services — they understand that HVAC repairs and replacements are essential, not discretionary. Their platform is built for fast approval and transparent terms, with no hidden fees or confusing fine print.
Wisetack financing is available for any Top Notch Air Conditioning & Heating service over a minimum amount, including complete system replacements ductless mini-split installations indoor air quality upgrades, and qualifying repair services. Maximum loan amount is $25,000.
These are example estimates for illustration. Actual terms depend on creditworthiness and current Wisetack offers.
Don't settle for a budget system when a better-efficiency unit will save more on energy bills. Financing lets you choose the system that makes the most long-term sense.
Upgrading from a 14-year-old system to a 16+ SEER2 unit often reduces monthly energy bills by $70–$120. That savings can cover part or all of your monthly loan payment.
Florida summer heat is a health risk, especially for elderly residents and young children. Financing ensures you can restore comfort immediately — not when savings allow.
For qualifying customers, Wisetack offers 0% APR promotional periods. Pay no interest on your purchase if paid in full within the promotional timeframe.
Keep your savings intact for other priorities while spreading your HVAC investment over manageable monthly payments that fit your budget.
For customers building their credit profile, making on-time loan payments on a Wisetack loan can contribute positively to your credit history over time.
Yes. We offer financing through Wisetack with loans up to $25,000. Options include 0% interest promotional plans (for qualifying credit) and lower-monthly-payment plans over longer terms. Applying takes just a few minutes from your phone and won't impact your credit score for the initial soft check. We believe a Florida summer without working AC shouldn't be a financial crisis — ask about financing when you call for your estimate.
Our standard single-system AC tune-up is priced competitively with the Polk County market — call us at (863) 875-5500 for current pricing. For the best value, our Yeti Club membership at $199/year includes two tune-ups plus priority service, waived diagnostic fees, and repair discounts. For most homeowners, the Yeti Club pays for itself on the first tune-up visit.
Yes, we charge a standard diagnostic fee for service calls, which covers sending a certified technician to your home to properly diagnose the issue. Yeti Club members have this fee waived on every service call, which is one of the most tangible benefits of the membership. The diagnostic fee is applied toward the repair cost if you proceed with the repair on the same visit.
Yes. Through Wisetack, we offer 0% APR financing promotions for qualifying customers. These are typically 6–18 month same-as-cash options where no interest accrues if the balance is paid within the promotional period. Longer-term financing plans are also available at competitive APR rates. Terms depend on creditworthiness — ask us about current offers when you schedule.
Yes — several rebate sources are available. Florida Power & Light (FPL) and Duke Energy Florida offer utility rebates for qualifying high-efficiency systems (SEER2 16+), typically ranging from $100 to $400. The federal government also offers a 30% tax credit (up to $2,000) for qualifying heat pump installations under the Inflation Reduction Act through 2032. Top Notch Air Conditioning & Heating will help identify all applicable rebates and handle the paperwork when you purchase a qualifying system.