HVAC financing makes it possible to get the heating, cooling, and plumbing upgrades your home needs without paying the full cost upfront. At Ace Tech Plumbing & Heating LTD, we partner with Financeit, one of Canada’s most trusted home improvement lenders, to offer flexible monthly payment plans for all our residential services in Burnaby and Metro Vancouver.

HVAC financing for hydronic heating systems by Ace Tech in Burnaby

HVAC Financing for Every Home Comfort Need

Whether you need a new furnace, heat pump, air conditioner, water heater, or a complete plumbing overhaul, HVAC financing through Ace Tech lets you spread the cost into affordable monthly payments. We believe every homeowner in Burnaby and the Lower Mainland deserves access to reliable, high-quality home comfort systems, regardless of budget. Our HVAC financing plans start as low as $0 down with terms up to 120 months, so you can choose a payment schedule that works for your household.

Services You Can Finance

We offer HVAC financing for all residential plumbing and heating services. No matter what your home needs, you can pay over time with manageable monthly payments.

Heating Systems

Finance a new furnace installation, heat pump installation, or boiler replacement. Whether you are upgrading an aging system or replacing a failed unit in an emergency, HVAC financing covers the full cost of equipment and labour. High-efficiency furnaces and heat pumps typically qualify for FortisBC rebates, which can be combined with financing to further reduce your out-of-pocket cost.

Air Conditioning

Beat the summer heat with a new air conditioning system financed over comfortable monthly payments. Central air conditioning, ductless mini-split systems, and dual-fuel heat pump systems are all eligible for HVAC financing through our Financeit partnership.

Water Heaters

Finance a new hot water tank installation, tankless water heater, or heat pump water heater. When your water heater fails unexpectedly, financing means you do not have to choose between hot water and your savings account. Our water heater repair services can also help determine whether repair or replacement is the better financial decision.

Plumbing Services

Major plumbing projects like drain cleaning and sewer line repair, pipe replacements, bathroom renovations, and whole-house repiping can be financed through our HVAC financing program. Emergency plumbing repairs are also eligible, so you never have to delay critical repairs due to cost.

How Our HVAC Financing Works

Getting approved for HVAC financing through Ace Tech is fast, simple, and completely online. The entire process takes just a few minutes.

Step 1: Apply Online

Click the Apply Now button below to visit our secure Financeit application portal. You will fill out a short online form with basic personal and financial information. The application takes less than five minutes to complete.

Step 2: Get Approved

Financeit provides a quick credit decision, often within minutes. Once approved, you will receive your financing details including your approved amount, interest rate, and available payment terms. There is no obligation to proceed after pre-approval.

Step 3: Schedule Your Service

Once you have financing approval, contact us at (844) 704-4177 or 778-512-4916 to schedule your installation or repair. We handle the rest, and your payments begin according to your chosen schedule.

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HVAC Financing Benefits

Ace Tech’s HVAC financing program through Financeit offers several advantages that make it one of the most homeowner-friendly options available in British Columbia.

$0 Down Payment

Start your project with no money down. The full cost of equipment and installation is covered by your HVAC financing plan, so you can get started immediately without draining your savings.

Flexible Terms Up to 120 Months

Choose a repayment term that fits your budget. Shorter terms mean less interest paid overall, while longer terms keep your monthly payments as low as possible. Most homeowners choose terms between 36 and 84 months for the best balance of affordability and total cost.

Competitive Interest Rates

Financeit offers competitive fixed interest rates that are often lower than credit card rates. Your rate is locked in at approval, so your monthly payment stays the same for the entire term with no surprises.

No Prepayment Penalties

Pay off your HVAC financing balance early at any time without any prepayment fees or penalties. If you receive a bonus, tax refund, or simply want to pay down the balance faster, you are free to do so.

Simple Automated Payments

Monthly payments are automatically deducted from your bank account, so you never have to worry about missing a payment or mailing a cheque.

Quick Online Application

The entire HVAC financing application process is online, takes just a few minutes, and provides a near-instant credit decision. No need to visit a bank or fill out lengthy paperwork.

Why Homeowners Choose HVAC Financing

Replacing a furnace, heat pump, or water heater is one of the most important investments a homeowner can make, but the upfront cost can be a barrier. HVAC financing solves this problem by allowing you to spread the cost over time while still getting the high-efficiency equipment that will save you money on energy bills every month.

Many homeowners find that the monthly energy savings from a new high-efficiency system actually offset a significant portion of their HVAC financing payment. For example, upgrading from a standard efficiency furnace to a high-efficiency model can save $300 to $600 per year on gas bills, while a new heat pump system can reduce heating costs by 30 to 50 percent compared to electric baseboard heating.

As a FortisBC Trade Ally Network member, Ace Tech helps you access available rebates that can be combined with HVAC financing to make your upgrade even more affordable.

Frequently Asked Questions About HVAC Financing

What credit score do I need for HVAC financing?

Financeit considers a range of factors beyond just credit score. While a higher credit score may qualify you for better rates, many homeowners with average credit are approved. The online application gives you a quick answer with no obligation.

Is there a minimum or maximum financing amount?

HVAC financing is available for projects starting from around $1,000 up to $50,000 or more, depending on your credit approval. Most residential HVAC projects fall between $3,000 and $15,000.

Can I combine financing with rebates?

Yes. FortisBC rebates, CleanBC rebates, and other government incentives can be applied to reduce the total financed amount. We help you identify and apply for all available rebates before finalizing your HVAC financing.

How long does approval take?

Most HVAC financing applications are approved within minutes of submission. You will receive an email with your approval details and can proceed to schedule your service immediately.

Does applying affect my credit score?

The initial pre-approval is a soft credit check that does not affect your credit score. A full credit check is performed only when you choose to proceed with the financing.

Service Areas for HVAC Financing

Ace Tech offers HVAC financing for homeowners throughout Metro Vancouver, including Burnaby, Vancouver, Surrey, Coquitlam, Richmond, North Vancouver, New Westminster, Maple Ridge, Port Moody, Langley, Delta, Port Coquitlam, West Vancouver, Abbotsford, Chilliwack, and all surrounding communities in the Lower Mainland.

Start Your HVAC Financing Application Today

Do not let budget concerns delay the comfort and safety of your home. Apply for HVAC financing today through Ace Tech and Financeit, and get the heating, cooling, or plumbing upgrade you need with affordable monthly payments. Call us at (844) 704-4177 or 778-512-4916 to discuss your project and financing options, or click the button below to apply online now.

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Financing