Pay over time on a plan that fits

Get the work done now. Pay for it on a plan that fits.

A failing water heater, a no-cool air conditioner, or a slab leak does not wait for payday. True Plumbers & AC offers flexible financing so Central Florida homeowners can fix the problem today and pay it off over time, with manageable monthly payments instead of one big bill.

Have Questions? Let's Talk Call (863) 667-6364
9:41
True Plumbers & AC

Flexible financing options

You're eligible for $10,000.00!

Choose an option.

  • 3 Month plan $3,333.33/mo Interest free
  • 6 Month plan $1,666.66/mo Interest free
  • 12 Month plan $833.33/mo Interest free
  • 24 Month plan $416.66/mo Interest free

Longer term, smaller payment

  • 3 mo
  • 6 mo
  • 12 mo
  • 24 mo

Up to 24 mo*

0%

APR available

For illustrative purposes only*

Up to $65,000

Finance projects of any size

3-120 mo

Flexible term lengths

0-35.9% APR

Based on creditworthiness

0% APR available up to 24 months* for eligible customers

  • No hidden fees and no compounding interest.
  • Fixed monthly payments. You know what you owe before you sign.
  • Soft credit check to prequalify. Checking your rate does not affect your score.
  • Backed by trusted consumer financing partners.

What we finance

Big jobs, predictable payments

Financing is available on projects up to $65,000. For smaller jobs we take all major credit cards.

  • Water heaters Tank or tankless, spread across low monthly payments.
  • Whole-home repipes PEX or copper, turned into a predictable monthly payment.
  • AC installation & replacement A new, properly sized system. Stay cool now, pay over time.
  • Water softeners & filtration Whole-home treatment, financed over the term that fits.
  • Slab leak & sewer repair Big, unplanned repairs. Get it fixed today, pay on a plan.
  • Heat pumps & mini-splits Efficient comfort upgrades that pay you back on your bill.

How it works

From quote to financed in minutes

  1. 1

    Get a free upfront quote

    A licensed True technician diagnoses the issue at your home and quotes the fix upfront. Honest pricing, no surprises.

  2. 2

    Ask about financing

    Tell us you would like to finance the work and we will walk you through the options during your quote. Checking your options has no impact on your credit score.

  3. 3

    Pick your terms

    Choose the monthly payment that fits, with terms from 3 to 120 months and APRs from 0 to 35.9% based on creditworthiness.

  4. 4

    We start the work

    Once you approve the plan, we schedule the install or repair and get it done right.

Ready to Get Started? Contact Us

*All financing is subject to credit approval. Your terms may vary. Payment options are provided by our lending partners. For example, a $5,500 purchase could cost $253.54 per month for 24 months, based on a 9.9% APR, or $1,833.33 per month for 3 months, based on a 0% APR. Offers range from 0 to 35.9% APR based on amount requested and creditworthiness. Not all merchants and lending partners participate in 0% interest programs. Terms range from 3 to 120 months and may vary based on merchant, lending partner, or transaction size. State interest rate caps may apply. No prepaid finance charges or participation fees.

FAQ

Financing questions

The answers Central Florida homeowners ask us most often.

Do you offer financing?
Yes. We offer simple, pay-over-time financing through trusted lending partners, so you can spread the cost of the work into manageable monthly payments. Checking your options has no impact on your credit score.
How much can I finance?
Financing covers projects up to $65,000 on approved credit. For smaller jobs, we accept all major credit cards.
What are the terms and rates?
Terms range from 3 to 120 months, with APRs from 0 to 35.9% based on creditworthiness. For example, a $5,500 purchase could cost $253.54 a month for 24 months at 9.9% APR, or $1,833.33 a month for 3 months at 0% APR.
Can I really get 0% APR?
Yes. 0% APR is available up to 24 months for eligible customers, based on the amount requested and creditworthiness. Prequalifying shows you your real options before you commit to anything.
Will checking my options hurt my credit?
No. Checking your financing options uses a soft credit check, so you can see your real rate without affecting your credit score.
Are there hidden fees?
No. Our financing has no hidden fees, no compounding interest, and no prepaid finance charges. You get fixed monthly payments and clear terms before you commit.
How do I apply?
Reach out through our contact page or call us at (863) 667-6364 and we will walk you through your financing options during your quote. All financing is subject to credit approval; your terms may vary.

Find Us in Central Florida

Four offices across Central Florida: Lakeland, Plant City (headquarters), Auburndale, and Bartow. We serve homeowners and businesses throughout Polk, eastern Hillsborough, and Pasco counties.

View on Google

Our Locations

Tap to call · 24/7 (863) 667-6364 Or schedule online →