Flexible Payment Options
Affordable Monthly Payments for Your New System
A new heat pump or AC system is one of the best investments you can make in your home. It shouldn't be one of the most stressful. We work with financing partners that offer monthly payment plans so you can get the system you need now and pay over time.
Simple Process
How Financing Works
1
Get Your Estimate
We visit your home, evaluate your system, and give you an exact price for the work. No cost for the estimate, no obligation.
2
Choose a Payment Plan
We’ll walk you through your financing options right there. Monthly payments, promotional rates, term lengths. You pick what fits your budget.
3
We Handle the Rest
Once approved, we schedule your installation. You make monthly payments to the financing company, not to us. Simple.
Full Coverage
What's Covered
Financing covers the full project cost: equipment, labor, permits, and materials. You're not financing just a piece of hardware. You're financing a complete, professionally installed system with a warranty.
Most plans cover projects from $2,500 to $25,000 or more. Whether it's a single ductless mini-split or a whole-home heat pump conversion, there's a plan that fits.
- ✓Heat pump installations and conversions
- ✓Central AC replacements
- ✓Furnace and boiler replacements
- ✓Ductless mini-split systems
- ✓Indoor air quality equipment
- ✓Ductwork modifications
- ✓Electrical panel upgrades (when needed for heat pump installs)
Options
Your Financing Options
We're partnered with financing companies that specialize in home improvement projects. Multiple options means we can find a plan that works for your credit situation and your budget.
Low or 0% Interest
Promotional Rate Plans
Qualified homeowners can take advantage of low or 0% interest for 12 to 60 months. Pay off your system during the promotional period and pay zero interest. These plans are available to homeowners with good to excellent credit.
Typical terms: 12-60 months
Best for: Homeowners who can pay off within the promo period
Predictable Payments
Fixed Monthly Payment Plans
Fixed rate, fixed payment, no surprises. Spread the cost over 3 to 10 years with a consistent monthly payment. Rates and terms depend on credit and project size.
Typical terms: 36-120 months
Best for: Homeowners who want low, predictable monthly payments
Flexible Approval
Flexible Approval Options
Credit challenges don’t have to stop you from getting the system your home needs. We work with lenders that consider a wider range of credit profiles, including lease-to-own options.
Typical terms: Varies by program
Best for: Homeowners who’ve been turned down elsewhere
Financing is subject to credit approval. Terms, rates, and availability vary by program and individual qualification. We'll walk you through your specific options during your estimate visit.
What Does a Monthly Payment Look Like?
A typical heat pump installation
$15,000
$10,000 after PSEG LI rebates
As low as
$139/month
Based on 84-month term. Actual rate depends on credit approval.
Every proposal we send includes a monthly payment option alongside the full price, so you always know both numbers. We also stack every rebate you're eligible for before calculating your financing amount. You finance the net cost, not the sticker price.
Stack Your Savings
Rebates Come Off First
Here's something a lot of homeowners don't realize: rebates reduce the amount you finance, not just the total cost. If your heat pump installation is $15,000 and you qualify for $5,000 in PSEG Long Island rebates, you're only financing $10,000. That's a meaningfully lower monthly payment.
Suffolk County homeowners are currently eligible for heat pump rebates through PSEG Long Island's Home Comfort program, with rebates up to $5,000 for market-rate customers and up to $11,000 for income-eligible households. We handle every rebate application for you.
Common Questions
Financing Questions
Ready to See Your Options?
We include financing options on every estimate. No commitment, no pressure. Text us and we'll set up a free visit.