3B Heating & Air: Financing & Rebates

A new air conditioning or heating system is one of the largest purchases a homeowner makes. 3B Heating & Air offers flexible financing and helps you find available rebates so the right system fits your budget.

Request Service Online Call (813) 315-0574

5.0 stars, 52 Google reviews
FLLicense CMC1251785
Family-owned
Emergency service available 24/7

EXCELLENT★★★★★Based on 52 reviewsGoogle

Suzanne DeLaCruzAug 2026

★★★★★

After 5 repairmen from the company who installed my AC did nothing to fix my AC which was leaking into my ceilings, the restoration company suggested I call 3B. It was not an easy fix, but Al found and repaired the problems. It required a few service calls to complete, but my AC is now working as it should! Al came early and stayed late, returned to check on things over the weekend and made sure all was working well. The cost, which could have been quite high, was very reasonable. He was much more knowledgeable than the company repairmen from whom I originally bought the unit. It is his own company, and he really does know what he’s doing!! I appreciated his honesty and his work ethic.

Ronald JoubertAug 2026

★★★★★

3B heating & air was amazing, the tech came out and was very friendly. He found the broken part and replaced it. They took care of my air condition and it’s working great. I would always recommend this company, I am really happy with the service.

Kiana SutherlandAug 2026

★★★★★

Very kind, fixed the AC that the other contractors wouldn't clean and were very nice to my grandmother.

H MJul 2026

★★★★★

3B Heating & Air was quick to respond when our unit stopped working after hours. Al was very attentive and immediately set up and appointment to come first thing in the morning. The unit was serviced and running in no time. Thank you 3B Heating & Air!

David HallJul 2026

★★★★★

Al is very good at his job. Helped us with our HVAC and a couple of minor things. He was very careful to keep us informed along the way.

Jorge RodriguezJul 2026

★★★★★

Excellent service, timely and expedient. My new service to go to!!

Hilda RodriguezJul 2026

★★★★★

Was very professional and understanding and price reasonal

Terry ThorntonJul 2026

★★★★★

Very good job. Excellent. I WOULD ASK FOR HIM AGAIN

Robert TangJul 2026

★★★★★

Tech Al was referred to me by a previous very satisfied customer Ellie. I called him and was at my home in one hour and half. Did a tremendous job and educated me on my air condition unit. 5 Stars for a job well done.. I will be referring him to all my friends and family..Thank you Al and 3B Heating and Air..

When your AC fails in the middle of a Florida summer, you should not have to choose between comfort and cost. Our financing options let you replace a failing system now and pay over time, while our honest, flat-rate pricing means you know the full cost before you apply.

Flexible HVAC Financing Options

3B Heating & Air partners with three financing providers, giving homeowners more than one path to approval.

Synchrony

3B Heating & Air offers financing through Synchrony, with several plan options available for qualifying HVAC purchases. Our team will walk you through the available plans, explain how each one works, and help you choose the option that fits your monthly budget.

FTL and HFS

We also provide financing through FTL and HFS. With these lenders, the plan and terms you are offered are based on your credit profile and are shown directly by the lender during the application. This gives homeowners with different credit histories additional options to explore.

Apply online: FTL financing application or HFS financing application.

What You Can Finance

Financing is most commonly used for new system installations and full replacements, including central air conditioners, heat pumps, furnaces, and ductless mini-splits. New residential systems typically range from $5,500 to $18,000+, depending on tonnage and efficiency, so many homeowners choose to spread the cost over time.

How to Apply

Get your free estimate. We inspect your current system and provide a flat-rate quote for the right replacement.
Review your options. We explain the financing plans available and help you compare them.
Apply with the lender. Approval and terms are determined by the lender based on your credit.
Schedule your installation. Once approved, we book your installation and get your new system running.

HVAC Rebates and Incentives

Utility Rebates

Many Florida electric utilities offer rebates when you replace an older system with qualifying high-efficiency equipment, such as a heat pump that meets minimum SEER2 and HSPF2 ratings. Depending on where you live, your provider may be Tampa Electric, Duke Energy Florida, or Withlacoochee River Electric Cooperative.

Rebate amounts, eligible equipment, and application rules vary by utility and change often. Some programs also require installation by a participating contractor. Before you choose a system, our team can help you check which programs apply to your address and which equipment qualifies.

Federal Tax Credit Update

The federal Energy Efficient Home Improvement Credit (Section 25C), which covered qualifying heat pumps and other efficiency upgrades, ended for equipment installed after December 31, 2025. If your system was installed in 2025, you may still claim the credit on your 2025 tax return. Please consult a tax professional for advice on your situation.

More Ways to Save With 3B Heating & Air

Seasonal discount: Save 10% on all services, including new systems, from November through February.
Price match: We will beat any written quote from a licensed HVAC company.
Free estimates: New system estimates are always free.
Comfort Membership: Plans from $9 per month include two tune-ups a year and up to 10% off repairs.
Warranty coverage: New systems include a standard 10-year manufacturer parts warranty and a 1-year labor warranty, extendable up to 10 years.

Frequently Asked Questions

Can I finance a repair?

Financing is generally intended for new HVAC installations and system replacements rather than smaller repairs. However, available options can vary depending on the project and lender requirements. Contact 3B Heating & Air to discuss your repair needs and find out whether financing is available for your specific situation.

Will applying affect my credit?

The effect on your credit depends on the lender and the type of financing application. Some lenders may perform a soft credit inquiry, while others may require a hard inquiry that can affect your credit score. Review the lender’s terms and ask which type of credit check applies before submitting your application.

Can I combine financing with a rebate?

In many cases, HVAC financing can be used alongside an eligible utility rebate. Financing helps spread installation costs over time, while a rebate may reduce the overall expense of qualifying equipment. Eligibility depends on the equipment, utility program, and applicable requirements. Our team can help you identify potential rebates and review how they may fit into your installation budget.

Make Your New HVAC System More Affordable

Upgrading your heating and cooling system is a significant investment, but financing may help make the cost more manageable. At 3B Heating & Air, we can discuss your equipment needs, explain available installation options, and help you explore financing opportunities and applicable rebates. Whether you are replacing an aging air conditioner or installing a new HVAC system, we will help you understand the costs before making a decision. Call (813) 315-0574 or request service online to schedule your free estimate and discuss your options.

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