HVAC Financing Calculator
Calculate your monthly payments and find the perfect financing option for your new HVAC system in New Jersey
Special Offer: 0% APR financing available for qualified buyers on high-efficiency systems. Monthly payments often lower than current energy savings!
HVAC Financing Calculator
Calculate monthly payments and compare financing options for your HVAC system
System Details
Financing Option
Your Payment Calculation
Monthly Payment
60 months at 5.99% APR
Total Interest
Over 60 months
Cost Breakdown
Total Investment
Monthly Impact with Energy Savings
Monthly Payment
Energy Savings
Net Monthly Impact
💡 After 60 months, you'll save $100/month permanently.
Compare All Financing Options
| Option | Monthly Payment | Total Interest | Total Cost |
|---|---|---|---|
0% APR 24 months | $250 | $0 | $6,000 |
Low-Rate 60 months | $115.97 | $958.13 | $6,958.13 |
Extended 120 months | $75.97 | $3,116.76 | $9,116.76 |
Ready to Apply for Financing?
Quick Application
Get approved in minutes with our online application
Get Exact Quote
Schedule consultation for personalized pricing
Our HVAC Financing Programs
0% APR Financing
12-24 months
Perfect For:
- • High-efficiency systems
- • Qualified buyers (700+ credit)
- • Quick payoff plans
- • Maximum savings projects
Example:
$8,000 system = $333/month for 24 months
Low-Rate Financing
60-84 months
Perfect For:
- • Balanced payments & savings
- • Good credit (650+ score)
- • 3.99-6.99% APR range
- • Most popular choice
Example:
$8,000 system = $135/month for 60 months
Extended Terms
96-120 months
Perfect For:
- • Lowest monthly payments
- • Large system installations
- • 7.99-9.99% APR range
- • Budget-conscious buyers
Example:
$8,000 system = $89/month for 120 months
Monthly Payments vs Energy Savings
See How Energy Savings Can Offset Your Monthly Payment
Old System Costs
New System Costs
Monthly difference:Only $24 more
After financing is paid off: Save $128/month
Qualification & Application Process
Qualification Requirements
For 0% APR Financing:
- • Credit score 700 or higher
- • Stable income for 2+ years
- • Debt-to-income ratio under 40%
- • High-efficiency system purchase
For Standard Financing:
- • Credit score 650 or higher
- • Verifiable income
- • Valid checking account
- • U.S. citizen or permanent resident
For Extended Terms:
- • Credit score 600 or higher
- • Alternative credit programs available
- • Co-signer options
- • Flexible income requirements
Application Process
Free Consultation
System assessment and pricing
Choose Financing
Review options and select terms
Quick Application
Online or in-person, takes 5-10 minutes
Instant Decision
Approval within minutes to 24 hours
Schedule Installation
Installation within 3-5 days
Required Documents: Driver's license, recent pay stub, bank statement, and social security number.
Special Financing Programs
Utility Financing Programs
PSE&G Financing
- • 0% APR for up to 7 years (10 years for low income)
- • No down payment required
- • Combined with instant rebates
- • On-bill financing available
JCP&L Energy Efficiency Financing
- • Low-rate financing for efficient systems
- • Streamlined application process
- • Combined rebate and financing packages
- • Special programs for heat pumps
Emergency Replacement Financing
Same-Day Approval
- • Emergency financing available
- • Installation within 24-48 hours
- • Flexible credit requirements
- • No-heat/no-AC emergency rates
Senior & Military Discounts
- • Additional rate reductions available
- • Special terms for veterans
- • Senior citizen financing programs
- • Fixed income consideration
Ready to Finance Your New HVAC System?
Get pre-qualified for financing and receive your detailed quote with exact monthly payments for your specific system.
Free Consultation Includes:
- ✓ System assessment and recommendations
- ✓ Exact pricing with all options
- ✓ Financing pre-qualification
- ✓ Available rebates calculation
- ✓ Monthly payment scenarios
- ✓ Installation timeline planning
Start Your HVAC Upgrade Today
With flexible financing options, there's never been a better time to upgrade your comfort