The car is very noisy when it starts and when the AC initiates. Need new belts?

It could be the belts. In the morning when it's running and making the noise spray a little water on the belts and see if the noise goes away. If it does start with belts and while they are off inspect the tensioner and idler pulleys by spinning them and listening for noise. Replace as needed. The vehicle needs to be jacked up with the front right tire removed to replace belt. If you don't have the equipment to do it safely take it to a good shop.