Flexible Financing
Flexible Financing | Air Conditioning | Heating and Air Conditioning | Kingston
Stay cool when Kingston sizzles and stay cozy when winter winds biteâwithout sweating the upfront costs. HEPâs flexible financing makes upgrading your homeâs heating and air conditioning systems refreshingly simple, with low-interest or no-interest options, quick approvals, and terms tailored to your budget. From high-efficiency furnaces to whisper-quiet AC units, our certified technicians handle everything, so you can focus on comfort instead of cash-flow.
Whether youâre replacing outdated equipment or installing a brand-new setup, youâll enjoy lower monthly energy bills, improved indoor air quality, and the peace of mind of 24/7 local support. Ready to feel the difference? Talk to HEP today and discover how easy it is to bring year-round climate control homeâon a payment plan that works for you.
FAQs
What financing options do you offer for new air-conditioning installations in Kingston?
We partner with several Canadian lending programs to give homeowners a choice of low-interest fixed-rate loans, open payment plans, and 0% promotional options for up to 12 months. You can spread the cost of a brand-new high-efficiency air conditioner over 24â120 months, with no upfront deposit required. All plans can be paid off early without penalty, allowing you to align monthly payments with your household budget.
Who is eligible to apply for HVAC financing through your company?
Any Kingston-area homeowner or residential property manager with proof of ownership and a minimum credit score of 600 may apply. We also have solutions for newcomers to Canada and clients rebuilding credit. Renters can qualify when a co-signing owner is included on the application. All applicants must be 18 years or older and able to demonstrate enough income to cover the monthly payment.
How does the application process work and how long does approval take?
Your comfort adviser will guide you through a secure, paperless application that can be completed on a tablet or your smartphone in about five minutes. The lender performs a soft credit check (which does not affect your score) and issues a decision instantly in most cases. Once approved, we schedule installation at your convenienceâoften within 24â48 hoursâwhile the lender pays us directly, so no interim charges appear on your credit card.
Can I finance repairs, maintenance plans, or indoor-air-quality upgrades, or is financing limited to full system replacements?
Yes. Our financing covers a wide range of HVAC needs, including major compressor repairs, ductless mini-split additions, annual service agreements, smart thermostats, UV air purifiers, and whole-home humidifiers. Minimum financed amounts start at $1,000, allowing you to bundle smaller upgrades into one affordable payment rather than postponing necessary work.
Are there hidden fees, down payments, or early-payment penalties I should know about?
No. All administrative fees, interest rates, and payment schedules are disclosed before you sign. Most plans require zero money down, and there are no appraisal or lawyer fees. You may increase your payment, make lump-sum contributions, or settle the balance in full at any time without incurring penalties, giving you complete flexibility as your financial situation changes.
How will financing affect manufacturer warranties, government rebates, and my long-term energy savings?
Financing has no impact on product warranties; you still receive the full 10- to 12-year parts and labour coverage offered by leading brands. In fact, many rebate programs from Hydro One, Enbridge, and the Greener Homes Grant allow financed projects as long as the equipment meets efficiency criteria. Because you start saving on utility bills immediately, the monthly energy savings often offset a significant portion of your payment, making high-efficiency upgrades more affordable from day one.