Request Service Today
Request Service

HVAC Financing & Incentives

Affordable Comfort Starts Today

Financing • 0% Loan Programs • Rebates & Incentives
Call (401) 996-3518
Request Service Today

Fast Approval

Flexible Payment Options

Serving RI & Southern MA

Flexible Options for Your HVAC Upgrade

A new heating or cooling system is a significant investment.

At AR Heating & Cooling, we offer a variety of financing options, 0% loan programs, rebates, and incentives that may help make your project more affordable.

Explore the programs below to learn more about the options available. Our team is here to help you understand your choices, find the option that best fits your needs, and guide you through every step of the process.

Contact Our Team
hvac financing 000

Financing Options to Fit Your Needs

Synchrony Photoroom

Synchrony Financing

  • Flexible monthly payment plans
  • Promotional 0% interest options available
  • Fast approval process
  • Ideal for installations
Learn More Today
RISE Photoroom

RISE 0% Heating Loan (RI)

  • 0% interest financing
  • Designed for eligible heating upgrades
  • Commonly used for boilers and furnaces
  • Helps reduce upfront replacement cost
Learn More Today
Mass Save Photoroom

Mass Save 0% Loan

  • 0% interest financing
  • Available for qualifying energy-efficient upgrades
  • Ideal for heat pumps & high-efficiency systems
Learn More Today

Rebates & Incentives

Clean Heat RI Final Logo PNG 400x91 1

Heat Pump Incentives

Save on your heat pump installation with incentives covering up to 60% of eligible costs, subject to program caps.

  • Reduce upfront installation costs
  • Available to qualifying Rhode Island homeowners
  • Income and eligibility requirements apply
Learn More Today
RI Energy

Heat Pump Rebates

Save with rebates of up to $625 per ton installed on qualifying high-efficiency heat pump systems.

  • Available for qualifying heat pump installations
  • Reduce the cost of upgrading your HVAC system
  • Additional incentives may be available
Learn More Today

Program eligibility, incentive amounts and funding availability are subject to current program requirements.

Make Your HVAC Upgrade More Affordable

Flexible Options

Explore financing and 0% loan programs that can help make your HVAC investment more manageable.

Available Incentives

Qualifying rebates and incentive programs can help reduce the upfront cost of your project.

Increase Home Value

A new, high-efficiency HVAC system can improve comfort while adding value to your home.

Energy Efficiency Savings

High-efficiency systems can reduce energy consumption and help lower long-term operating costs.

Need Help Choosing the Right Option?

You don’t have to figure it out on your own. Our team is ready to answer your questions, explain the available financing and incentive programs, and help you choose the option that best fits your project. We’ll guide you through the process every step of the way.

Contact Our Team
(401) 996-3518

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

  • Quick and easy application
  • Competitive rates and 0% options
  • Multiple solutions to fit your needs
  • No prepayment penalties

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.

Talk to Our Team