HVAC Financing for Bay Area Homeowners
Don't let upfront cost hold back your comfort. We offer multiple financing programs with same-day decisions and no prepayment penalties.
Same Day
Most financing decisions in 24 hours or less
0%
Interest for 12 months on qualifying systems
$50,000
Maximum financing available (no home equity needed)
GoGreen Home Energy Financing
Most PopularRate
As low as 4.99% APR
Terms
36–120 months
Max Amount
$50,000
Min Credit
640+
GoGreen is a California state-sponsored financing program designed specifically for energy-efficient home upgrades. It offers some of the lowest rates available for HVAC projects and is available to all California homeowners — not just customers of specific utilities.
- No prepayment penalty
- Fixed monthly payments
- Funds available within 2–5 business days
- Available for heat pumps, AC, furnace, and ductless systems
- Can be combined with rebates and tax credits
- No home equity required
0% APR — 12 Months
No InterestRate
0% APR for 12 months
Terms
12 months, then standard rate
Max Amount
$25,000
Min Credit
660+
For customers who want to pay off their HVAC system within a year, our 0% interest promotion lets you spread payments over 12 months at zero interest. Ideal for homeowners who want to take advantage of current rebate windows while managing cash flow.
- True 0% interest for full 12 months
- No payments for first 30 days
- Available on qualifying system installations
- Simple online application, same-day decisions common
- Can stack with rebates for maximum savings
Peninsula Clean Energy Financing
San Mateo CountyRate
As low as 5.99% APR
Terms
Up to 120 months
Max Amount
$50,000
Min Credit
620+
Peninsula Clean Energy offers low-interest financing for electrification projects in San Mateo County. The program is designed to help PCE customers afford heat pump upgrades, EV chargers, and other clean energy improvements.
- Available to PCE customers in San Mateo County
- Low minimum credit score requirements
- Covers heat pumps, mini splits, and EV chargers
- Can be combined with PCE rebates
- Financing tied to property, not borrower (in some cases)
Silicon Valley Clean Energy Financing
Santa Clara CountyRate
As low as 5.99% APR
Terms
Up to 120 months
Max Amount
$50,000
Min Credit
620+
SVCE partners with lending institutions to offer below-market financing for heat pump and electrification projects in Santa Clara County communities including Cupertino, Mountain View, Sunnyvale, Santa Clara, Milpitas, and others.
- Available to SVCE customers in Santa Clara County
- Stackable with SVCE electrification rebates
- Covers qualifying HVAC systems and related electrical work
- Streamlined application process
How to Combine Financing + Rebates
Finance the full installation cost, then use rebates to pay down the balance when they arrive:
Frequently Asked Questions
Does applying affect my credit score?
Most programs use a soft credit check for pre-qualification (no impact). A hard inquiry occurs only when you formally accept.
How fast is the decision?
Most programs return decisions same day. Funds are typically available within 2–5 business days.
Can I pay it off early?
Yes — all of our financing programs have no prepayment penalties.
Can I finance ductwork too?
Yes — ductwork, electrical panel upgrades, and smart thermostat installation can all be included in the financed amount.
Why finance through us?
- We handle the financing application — no runaround
- Multiple programs available so you get the best rate
- We help you plan rebate timing to maximize savings
- No high-pressure sales — you decide what works
- All financing options are available state-licensed lenders
Ready to check your rate?
Get your HVAC estimate first, then call us to discuss financing options that work for your situation. No obligation.
What Our Customers Say
Had a Carrier Infinity heat pump installed to replace our old gas furnace and AC. The crew was professional, finished in one day, and the system is incredibly quiet. Our PG&E bill dropped by about 40% the first month. Best HVAC contractor we've ever worked with.
Michael T.
Walnut Creek, CA
Heat Pump InstallationWe got a Lennox furnace and AC combo for our 2,400 sq ft home. The online estimator gave us an accurate quote and there were zero surprises on install day. They pulled permits, handled everything with the city, and even helped us understand the HEEHRA rebate process.
Sarah L.
San Ramon, CA
Furnace & AC InstallationReplaced a 22-year-old Trane system with a new Daikin dual fuel setup. The heat pump handles 90% of our heating now and the gas furnace kicks in on the coldest mornings. Installation team was on time, clean, and thorough with the electrical and lineset work.
David & Karen W.
Dublin, CA
Dual Fuel InstallationInstalled a Mitsubishi ductless mini split in our converted garage and master bedroom — two zones, one outdoor unit. No ductwork needed and each room has its own temperature control. Whisper quiet and our energy bills actually went down.
Jennifer M.
Pleasanton, CA
Ductless Mini Split InstallationOur old AC died during a 105° heat wave. They had a new American Standard 16 SEER2 system installed the next day. Fast response, fair pricing, and the new unit cools our 1,800 sq ft home evenly. Highly recommend for AC installation in the East Bay.
Robert H.
Concord, CA
AC InstallationGot a Bosch heat pump for our 3,000 sq ft home. The German engineering really shows — it's the quietest system I've ever had. They also installed new ductwork in the attic and a UV air scrubber. Everything was included in the quote, no hidden fees.
Lisa P.
Danville, CA
Heat Pump Installation