Complete Guide to Financing a New Heater

New Heater

How to Know When You Need a New Heater

Heating is one of the most important things in the winter. A new heating system saves you money on energy costs in the long run, so buying a new one is an investment for your future. Because of newer technology that reduces fumes and chemical emissions, a new heater also helps with the air quality in your home.

There are a few ways you can tell if you need a new heater.

If your home’s heating system is over ten years old, it might be time to replace it. Or, if the temperature of your home fluctuates too much or does not provide enough warmth during cold months, it’s time for a new furnace.

How Much Is Heater Installation?

A new heater costs between $1,000 and $5,000, with the average cost of a new heating system being about $2,500.

You may be wondering how much you’ll need to budget for the project. The first thing you should do is call a professional for an estimate. This helps you know what size and type of heater fits your budget.

In general, HVAC contractors charge between $100 and $300 plus the price of the equipment. This is for a typical installation project with no unusual challenges or problems that need special attention.

Can I Finance a New Heater?

The first thing you should do is figure out if you can finance a new heater.

For those who can, financing a new heater is the best option, as it spreads the cost over the lifetime of the product and avoids any upfront payments.

New Heater

What Are Your Finance Options?

There are several ways to finance a new furnace or heater. Some of the options include home equity, credit card, or personal loan. 

However, many homeowners face the challenge of credit scores and high-interest rates. Credit companies and banks won’t deal with anyone with low credit scores, and the process of building your score means more discomfort from the cold weather.

With the burdens of mortgage, credit card, and personal loan repayment, it isn’t easy qualifying for new furnace financing.

Notwithstanding your current financial commitment, there are options to finance a new heater with PROPERTY ASSISTED CLEAN ENERGY programs.

When you work with a professional HVAC company, helping you achieve HVAC running efficiency is their priority. For this reason, Anthem Heating & Air provides its customers with access to friendly, home improvement finance options.

YGRENE Program

  • Low-cost funding over long terms
  • Energy efficiency and renewable energy 
  • Water conservation upgrades

 HERO Program

  • Low-cost, long term funding
  • Upgrades funds for energy and water efficiency
  • Central air-conditioning projects
  • Home improvement – landscaping, roofs, doors, and windows

SYNCHRONY Private Finance

  • Unsecured, revolving credit lines
  • Simple application and fast credit decisions process 
  • Financing for individual circumstances
  • No interest option
  • 115-month payment option
  • Flexible payment and repayment plan


  • Rebates from various sources, including federal tax credits
  • Upgrading to energy-efficient systems
  • Compensations for home improvement


You can sort your new heater financing under this program. The package takes the best of each financing option above to give you appropriate and pocket-friendly financing. Call (760) 895-2621 now for details!

Need a Reputable HVAC Company Near You?

When you need to talk with experts about financing your home heating needs, you can count on Anthem Heating and Air to guide you through the process. Call (760) 895-2621 now to discuss your new heater financing.

We also handle AC financing and installation.