St. Cloud and the Greater Central Florida
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Financing Now Available
HVAC Financing in St. Cloud, FL - Pay Over Time for a New System
A broken AC or failing heater can't wait. With flexible financing through Lyon Financial, you can approve your new system or repair now and pay in affordable monthly installments, no home equity required.
Why Finance With Us?
No home equity required. Unsecured loans only.
$5,000 to $200,000 in available financing for any job
Flexible terms: 15, 20, 25, or 30 years to repay
FICO scores of 660+ qualify. DTI up to 60% accepted.
Veteran-owned lender. Discounts for military families.
Live agents guide you through every step of the process
Fast decisions. No long waits to get started.
$200K
Max Loan Amount
30 Yrs
Max Loan TERM
660+
FICO SCORE ELIGIBLE
5-Star Google Rated
Licensed & Insured • CAC#1823925
24/7 Emergency Service
Family-Owned, Veteran-Operated
Serving St. Cloud & Central FL
LOAN DETAILS
Financing Built for Real Homeowners
Our lending partner Lyon Financial offers some of the most flexible HVAC loan programs available nationwide, designed to make comfort affordable for every budget.
$5K–$200K
Unsecured Loan Amounts
15–30 Yrs
Flexible Loan Terms
660+
FICO Score to Qualify
Up to 60%
DTI Ratio Accepted
No Equity
Required to Apply
Fast
Approval & Decision Process
SIMPLE PROCESS
How the Financing Process Works
From application to installation, the process is straightforward. Here's what to expect from start to finish.
1
APPLY ONLINE
Submit your application at the secure Lyon Financial portal using the Baez & Son link below. Takes just minutes to complete.
2
GET APPROVED
Lyon Financial reviews your application and notifies you once a conditional approval is secured from their lending partners.
3
Sign Loan Documents
Once fully approved and your home improvement contract is confirmed, you'll receive your official loan documents to review and sign.
4
Clear to Start
After signing, Lyon Financial issues a "Clear to Start" email to both you and our team. That's your green light for us to begin work.
5
Work Begins
Our licensed technicians get to work. Stage payments are processed throughout the project as milestones are completed.
6
Project Complete
Once the job is done to your satisfaction, you sign a completion form. Final payment is released and your home is comfortable again.
Our Financing Partner
Backed by Lyon Financial
Baez & Son is an approved contractor with Lyon Financial, a trusted national lender with over 45 years of experience financing home improvement projects.
Making home improvement dreams a reality since 1979. Veteran-owned and operated.
Established in 1979
Over 45 years of home improvement financing experience with a proven track record nationwide.
Veteran-Owned & Operated
Discounted fees available for active military and veterans. Two veteran-owned companies working for you.
Exclusive Lending Partners
Nationwide network of lenders means more options and better programs tailored to your credit profile.
Live Agent Support
Real people available throughout the entire loan process. Never stuck in an automated system alone.
Easy Online Portal
Apply, track your loan, and manage documents all through an easy-to-use online platform.
Why It Makes Sense
A New System Pays for Itself Over Time
HVAC systems in Central Florida work hard year-round. When your unit is aging or failing, the cost to repair or replace it can feel overwhelming. Financing lets you move forward without draining your savings or waiting months to afford it.
A new, efficient system can lower your monthly energy bills significantly, meaning the financing payment often offsets much of the cost increase right away.
Stop overpaying on energy bills with an outdated system
Avoid the health risks of poor air quality and humidity
Protect your home's value with a properly functioning HVAC
No need to wait and suffer through Florida's heat
Predictable monthly payments that fit your budget
Free estimates always, no payment until you approve
Ready to Get Comfortable?
The application takes just minutes. Get a decision fast and have your new system installed by Baez & Son's licensed technicians, the team St. Cloud trusts.
Who We Are
Baez & Son Air Condition & Heating is a veteran-owned HVAC company serving St. Cloud, FL and the surrounding area. Honest work, dependable service, and a name they stand behind on every job.
Contact Us
Email Us: [email protected]
Call Us: (407) 460-8406
Hours of Operation
Monday: 24 hours
Tuesday: 24 hours
Wednesday: 24 hours
Thursday: 24 hours
Friday: 24 hours
Saturday: 24 hours
Sunday: 24 hours
Our Location
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