HVAC Financing Options

Affordable Comfort Starts Today

Synchrony Financing • 0% RISE Heating Loan • 0% Mass Save Loan

Flexible Financing Options for HVAC Upgrades

A new heating or cooling system is a big investment, but it doesn’t have to be paid all at once.

At AR Heating & Cooling Inc., we offer multiple financing options to help homeowners and businesses stay comfortable without financial stress.

From 0% interest programs to flexible monthly payments, we’ll help you find the right solution for your project.

Financing Options to Fit Your Needs

Synchrony Financing

RISE 0% Heating Loan (RI)

Mass Save 0% Loan

While we continue supporting Income Eligible customers through our existing program waitlist, we’re excited to launch a new Heat Pump incentive program for low-to-moderate income Rhode Islanders who:

New Incentives for Low-to-Moderate Income Households

Why Finance Your HVAC Project?

Immediate Comfort

Get the comfort you need now—without waiting to save up.

Honest & Transparent

Spread the cost over time with monthly payments that fit your budget.

Increase Home Value

A new, efficient HVAC system adds value to your home or business.

Energy Efficiency Savings

High-efficiency systems can lower energy bills and save you money long-term.

Financing Made Simple

Not Sure Which Option is Right for You?

Our team will walk you through all available financing options and help you choose the best fit for your project and budget.

Ready to Get Started?

Get the system you need now and pay over time.