financing options

REQUEST A SERVICE!

Complete the form and a team member will be in touch.

Fix It Flex – Home Repairs, On Your Terms

Don’t Wait. Fix It Today.

Unexpected home repairs can throw a wrench in your budget. WithFix It Flex, you no longer have to delay the essential plumbing, HVAC, or electrical work your home needs. We offerflexible payment options designed to fit your life—so you can stay comfortable, safe, and stress-free.

No Minimum Repair Amount– Whether it’s a small fix or a major job, we’ve got you covered.

💵 Payments Starting at Just $19/Month– Affordable solutions that won’t break the bank.

🔒 Interest Rates as Low as 0%– Keep more money in your pocket with ultra-low or zero interest financing.

🛠 Immediate Repairs– Get the work done now. Pay over time.

Simple. Fast. Flexible.

Applying is quick and easy—with instant approval in many cases. Whether you're dealing with a leaking pipe, a broken AC unit, or faulty wiring, Fix It Flex makes it possible to handle home emergencies without the financial stress.

Get Started Today

Don’t put off the repairs your home needs. With Fix It Flex, you can fix it now and pay later—on your terms.

Contact Us

Financing Solutions For Everyone

Flexible Payment Plans Tailored to Your Needs

Are you wondering how to fund your next HVAC or plumbing project? Joe Cool Home Services always has you covered.


We have partnered with various reputable companies to bring you flexible financing options. Your comfort shouldn’t have to take a backseat. We make it simple for you to get the services you need.

A man and a woman are sitting at a table looking at papers and a laptop.

Find the Right Partner

Choose from these three lenders based on your goals.

  • Regions Home Improvement Financing

    Why not get your loan from a group that specializes in home improvement? Regions Home Improvement Financing, formerly Enerbank USA, has funded over a million projects with billions of dollars since 2002.


    Fixed interest rates protect you from sudden price hikes, and you won’t have to worry about annual or merchant processing fees. Four out of five applicants get approved, too, so your chances are fairly high.


  • Microf

    Microf follows a “relationship-based” approach to financing. 


    Expect:

    • Simple application steps
    • Various lease purchase options for your home HVAC installation
    • Near-real-time pre-approval, decline, or further review decisions
    • Affordable monthly renewal payments based on 36, 48, or 60 months until ownership

    Pay before the end of your lease for early purchase discounts. Talk with their team to learn how much you could save.


  • Synchrony

    When it comes to paying for your purchases, Synchrony gives you a robust suite of financing options. Find the one that works for you!


    You can expect:

    • Purchasing power with more financing options
    • Payment flexibility for purchases - from everyday necessities to high-ticket items
    • Predictable payments to make budgeting easier
    • Streamlined application process with immediate credit decision

    Apply Here

Why Finance Your Project in the First Place?

Financing simply makes life easier and helps you accomplish important goals. The best reasons to do it include:


  • Emergencies: Sewer line backups, plumbing leaks, faulty indoor cooling during a sweltering summer — some problems simply can’t wait. Start the necessary repairs now and pay over time.
  • Upgrades: That cutting-edge air conditioner you were eyeing can become yours without paying everything upfront. You won’t have to settle for a model that doesn’t meet your needs.
  • Cash flow: Keep your savings intact while tackling urgent or big-ticket projects. Financing helps you spread out the cost for simpler budgeting.


Many of our clients in the Sunshine State already enjoy tailor-fit HVAC and plumbing solutions thanks to us. We hope to serve you next! Just reach out when you need more details on our financing options or have questions. Find the right financial solution today.

Contact Us

Don't Just Take Joe Cool's Word For It...

Hear From Your Neighbors