Rooted Mechanical Heating & Air | Northwest Arkansas
HVAC Financing through FTL Finance
A new system, or a repair you do not want on a card, can be financed. Rooted Mechanical uses FTL Finance for equipment and for repairs. You describe the job to us. FTL emails the application and decides the offer. We do the HVAC work. We do not publish an interest rate they have not put on your application.
- Equipment and repairs
- Licensed and insured#0006641
- Based in Elkins, AR
Based in Elkins. Work across Northwest Arkansas.
- ElkinsHome base
- NWAServing Northwest Arkansas
- Full HVACHeating · Cooling · Air quality
- #0006641Licensed and insured
01When it helps
When Financing Is the Practical Path
It is a way to pay for work you have already decided you need. It is not a reason to replace a system that should be repaired.
- 01
The changeout is the right repair
Age, repair history, and comfort say the equipment is done. Financing spreads that, if FTL approves it.
- 02
The repair is real and the bill is large
A compressor, a heat exchanger, a board. Same path. We still write the estimate first. Rates shows the starting figures.
- 03
You have not had a diagnosis yet
Financing does not skip that. We find the fault, then talk about how to pay.
- 04
You want a number before you apply
Call. We will tell you whether this job can go to FTL. They email the application.
02What FTL publishes
What FTL Says on Its Homeowner Page
These lines are theirs, from ftlfinance.com/homeowner. They are not a Rooted promise about your approval.
A straightforward application
FTL calls it a fast and easy application. Their homeowner page says they can email the application link. You name Rooted Mechanical as the contractor. We do not send the link.
More than a credit score
FTL says approvals are based on your financial situation, not only your credit score. That is not the same as "everyone is approved."
No prepayment penalty
FTL publishes that. Paying the balance off early is their rule, not a fee we add.
No default rate for a missed payment
Also their published line. A missed payment is still their account to manage.
A support team and online payments
FTL lists a committed support team, online account management, and payment options.
What we will not fill in
APR, term length, a sample monthly payment, which of their programs Rooted offers, and whether your job qualifies. Those are confirmed with you, not invented here.
FTL finances home services, including HVAC. You name Rooted Mechanical as the contractor. FTL emails the application link. Read their page before you apply: FTL for homeowners.
03Our side
What Rooted Does, and What We Do Not
We diagnose the system and we install or repair it. FTL handles the financing decision.
- 01Equipment and repairs can both go to FTL
- 02The written estimate comes before the application
- 03We do not quote an APR FTL has not offered you
- 04We do not say you will be approved
- 05Licensed (#0006641) and insured for the HVAC work
04How it works
How an Application Starts
You talk to us first. FTL emails the application and sends the decision.
- Step 01
Describe the job
Repair or replacement, and what the system is doing. If we have not diagnosed it, that comes first.
- Step 02
FTL emails the application
Their homeowner page says they can email an application link. The form asks which contractor you are working with. That is Rooted Mechanical. We do not email the link.
- Step 03
You read their offer
If you want to proceed, we schedule the work you already approved. If you do not, you have not bought a system.
05Home base
Financing From an Elkins Company
Rooted Mechanical Heating & Air is based in Elkins. The financing partner is FTL, which is not a local bank and is not a rate we set. If you are replacing a system or paying for a large repair anywhere we work, ask and we will tell you whether that job can go to FTL. They email the application. We do not.
If the work is a seasonal tune-up, financing is the wrong tool. That is the $19.99 membership or a one-time maintenance visit.
The HVAC work is ours. The financing decision is FTL.
06Service areas
Financing Where We Already Work
Same cities as the rest of the site. No separate financing territory.
- AC replacement
- Furnace replacement
- Heat pump installation
- AC installation
- Heating installation
- Repair rates
Ask before you apply. We will say if the job can go to FTL. They email the link.
07FAQ
Financing Questions
If a sentence is not on FTL's site, it is not on this one either.
Call or text 479-966-0099, or request service online.
Call or text (479) 966-0099Do you finance repairs, or only new equipment?
Both. Rooted uses FTL Finance for equipment and for repairs. Whether this job can go to FTL is confirmed when you call. We do not guess a minimum on this page.
What interest rate will I get?
FTL does not publish one rate for every homeowner, and we will not invent one. The offer in your application is the offer. We do not quote an APR, a term, or a monthly payment until FTL does.
Does applying mean the work is approved?
An application is how FTL looks at the job. It is not a promise that you will be approved, and it is not a promise that every credit history qualifies. FTL says approvals look at your financial situation, not only a credit score.
Who do I pay?
If the financing is in place, you pay FTL under their agreement. Rooted does the HVAC work. Questions about payments, prepayment, or a missed payment belong to FTL, and their homeowner page is linked below.
Request service
Tell Us What the System Is Doing.
Send the basics and we follow up to get you on the schedule. In a hurry? Call or text (479) 966-0099.
- Diagnosis firstWe tell you what failed, what the repair does, and what it means for the life of your system.
- Your call, no pressureThen you decide with real information instead of pressure.
- Licensed and insuredLicense #0006641. Residential and light commercial.
Ready when you are
Ask if this job can go to FTL
Call 479-966-0099. We will tell you whether the job can go to FTL. They email the application, and we will not quote a rate they have not offered.
