Skip to main content

Cookies on BBB.org

We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Cookie Preferences

Many websites use cookies or similar tools to store information on your browser or device. We use cookies on BBB websites to remember your preferences, improve website performance and enhance user experience, and to recommend content we believe will be most relevant to you. Most cookies collect anonymous information such as how users arrive at and use the website. Some cookies are necessary to allow the website to function properly, but you may choose to not allow other types of cookies below.

Necessary Cookies

What are necessary cookies?
These cookies are necessary for the site to function and cannot be switched off in our systems. They are usually only set in response to actions made by you that amount to a request for services, such as setting your privacy preferences, logging in or filling in forms. You can set your browser to block or alert you about these cookies, but some parts of the site will not work. These cookies do not store any personally identifiable information.

Necessary cookies must always be enabled.

Functional Cookies

What are functional cookies?
These cookies enable the site to provide enhanced functionality and personalization. They may be set by us or by third party providers whose services we have added to our pages. If you do not allow these cookies, some or all of these services may not function properly.

Performance Cookies

What are performance cookies?
These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site. All information these cookies collect is aggregated and therefore anonymous. If you do not allow these cookies we will not know when you have visited our site, and will not be able to monitor its performance.

Marketing Cookies

What are marketing cookies?
These cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant content on other sites. They do not store personal information directly, but are based on uniquely identifying your browser or device. If you do not allow these cookies, you will experience less targeted advertising.

Find a Location

FTL Finance has 1 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

    Country
    Please enter a valid location.
    • FTL Finance

      820 S Main St Ste 300 Saint Charles, MO 63301-3306

      BBB Accredited Business

    Business ProfileforFTL Finance

    Consumer Finance Companies
    BBB accredited business

    At-a-glance

    Customer Reviews

    1.17/5stars

    Average of 6 Customer Reviews

    Customer Complaints

    11 complaints closed in last 3 years

    7 complaints closed in last 12 months

    BBB Rating & Accreditation

    Accredited Since: 6/7/2021

    Years in Business: 22

    Customer Reviews are not used in the calculation of BBB Rating

    Overview of BBB Rating

    Overview

    Consumer Financing,

    Financing packages are available for every type of home improvement project: HVAC, plumbing, electrical, remodels, appliances, windows, and doors.

    Homeowners can more easily afford an upgraded accessory or a maintenance contract when the expense is broken down into payments.


    Products & Services

    FTL Finance offers convenient fixed interest rate financing for residential HVAC (heating, ventilation, and air conditioning) equipment purchases.

    Business Details

    Location of This Business
    820 S Main St Ste 300, Saint Charles, MO 63301-3306
    BBB File Opened:
    2/9/2006
    Years in Business:
    22
    Business Started:
    4/22/2002
    Business Started Locally:
    4/22/2002
    Business Incorporated:
    4/22/2002
    Accredited Since:
    6/7/2021
    Type of Entity:
    Limited Liability Company (LLC)
    Number of Employees:
    38
    Alternate Business Name
    • FTL Capital Partners, LLC
    Hours of Operation

    Primary

    M:
    8:00 AM - 5:00 PM
    T:
    8:00 AM - 5:00 PM
    W:
    8:00 AM - 5:00 PM
    Th:
    8:00 AM - 5:00 PM
    F:
    8:00 AM - 5:00 PM
    Sa:
    8:00 AM - 2:00 PM
    Su:
    Closed
    Business Management
    • Lauren Scanio, Senior Customer Service Manager
    Contact Information

    Principal

    • Lauren Scanio, Senior Customer Service Manager

    Customer Contact

    • Lauren Scanio, Senior Customer Service Manager
    Additional Contact Information

    Phone Numbers

    Customer Complaints

    11 Customer Complaints

    Need to file a complaint? BBB is here to help. We'll guide you through the process. How BBB Processes Complaints and Reviews

    File a Complaint

    Most Recent Customer Complaint

    02/07/2024

    Complaint Type:
    Order Issues
    Status:
    Answered
    FTL finance makes it impossibly hard to find out how much you owe, they do this so they can start ramping up those interest fees.i have 4 months remaining to pay my loan off interest free, i have paid 10 dollars over the amount borrowed, but i can not tell how much the remaining balance is due to whatever cooked up fees theyve tossed on there. and theyre banking on me never knowing, or over paying to avoid interest fees.
    Read More

    Customer Reviews

    6 Customer Reviews

    What do you think? Share your review.

    How BBB Processes Complaints and Reviews

    Start a Review

    Most Recent Customer Review

    Cody M

    1 star

    06/14/2024

    You CANNOT pay off your lease early. Once you sign that contract you are locked in for X amount of months! I've well overpaid on my account and they won't give me the extra money back and still expect me to pay more money if I want to "payoff" my balance. If I could leave half a star I would.

    FTL Finance Response

    06/21/2024

    Dear *******************,Thank you for your feedback. We sincerely apologize for any frustration or misunderstanding regarding your lease agreement.At FTL Finance, we want to assure you that you can pay off your lease early at any time without any prepayment penalties. This information is clearly stated in your contract. We also show your refund request was processed, per your request. If there has been any confusion or miscommunication, we are more than happy to review your account details with you to resolve any issues.Please contact our customer service team at ************ or ****************************************** so we can assist you further and ensure that your concerns are addressed promptly.Thank you for giving us the opportunity to improve our service.Best regards,FTL Finance Customer Support

    Local BBB

    BBB of Eastern & Southwest Missouri & Southern Illinois

    BBB Reports On

    BBB reports on known marketplace practices.

    BBB Business Profiles may not be reproduced for sales or promotional purposes.

    BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

    When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

    BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

    As a matter of policy, BBB does not endorse any product, service or business.