A furnace or air conditioner rarely breaks down at a convenient time. A good hvac financing option from Aurora Star Tech (ASTHVAC) keeps terms flexible through Financeit.
Additionally, this helps you spread the cost over manageable monthly payments.
We install across the Greater Toronto Area with financing on every heating, cooling, and water heater project.
Why Finance Your Heating and Cooling System
Most homeowners don’t plan for a furnace or air conditioner replacement.
It happens when the old unit finally gives out, often during a heat wave or a cold snap.
Financing through Financeit avoids choosing between fixing it properly and what you can afford this month.
You get the right system, sized and installed correctly by our team.
Pay for it over time instead of draining savings or maxing out a credit card.
How HVAC Financing With Financeit Works
- Get a free quote from ASTHVAC for your furnace, AC, heat pump, boiler, or water heater project.
- Apply online through our secure Financeit application — it takes a few minutes and won’t affect your ability to shop around.
- Get a decision, choose the payment plan that fits your budget, and we’ll schedule your installation.
Financeit is a Canadian consumer financing company that works with home service contractors like us to offer point-of-sale financing — you can read more about how it works directly on their site: Financeit for consumers.
Explore Your Payment Options
Enter your project cost below to see an estimated monthly payment. The first 6 months are interest-free on our standard plans for hvac financing. After that, the remaining balance is financed at our standard rate. Choose the term that fits your budget. Then apply directly through Financeit; approvals are fast and there’s no obligation.
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Terms and conditions apply. Financing provided on approved credit by FinanceIt Canada Inc. Applicants who do not qualify for the standard 13.99% APR rate may be offered an alternative program between 16.99% and 19.99% APR. Payments shown are estimates for illustrative purposes only and do not constitute a final offer. ®”Financeit” is a registered trademark of CommunityLend Holdings Inc. All rights reserved.
Financing Plans We Offer
| Plan | Rate | Term |
|---|---|---|
| Special promotion | 0% APR | 3 months |
| Special promotion | 0% APR | 6 months |
| Standard financing | 0% for the first 6 months, then 13.99% APR | Up to 240 months |
| Alternative programs* | 16.99%–19.99% APR | Varies |
For hvac financing, rates are based on your credit report, loan size, and promotional offers.
Our standard rate for home improvement purchases is typically 13.99% APR.
The first six months are interest-free.
Additionally, if you don’t qualify for the standard rate, you may be approved on one of Financeit’s other programs.
These programs range from 16.99% to 19.99% APR.
All financing is subject to credit approval.
Rates and terms may vary and are not guaranteed until approval.
What You Can Finance
Financing isn’t limited to a single product — it covers most of the work we do in your home:
- Furnace replacement and installation
- Air conditioner installation and replacement
- Heat pump systems
- Boilers and air handlers
- Water heater replacement and repair
- Gas piping upgrades
- Indoor air quality systems
- Smart thermostat installation
Not sure which system is right for your home? Take a look at our heating and cooling services or get in touch and our technicians will help you pick the right option before you apply for financing.
Serving Homeowners Across the GTA
ASTHVAC has been installing and servicing heating and cooling systems across the Greater Toronto Area for over 20 years, with 24/7 emergency service and a one-year labor warranty on our work. Financing is available no matter where you’re located in our service area — from Toronto and Mississauga to Markham, Richmond Hill, Oakville, Burlington, and the surrounding communities.
Frequently Asked Questions
Do I need good credit to qualify for HVAC financing?
Financeit reviews your credit report as part of the application, and your rate depends on that review along with the size of your loan and any promotions running at the time. If you don’t qualify for the standard 13.99% APR rate, you may still be approved through one of Financeit’s other programs, with rates between 16.99% and 19.99% APR.
How does the 6-month interest-free period work?
On our standard financing plans, the first 6 months are interest-free — no interest accrues during that period. Starting month 7, your remaining balance is amortized at our standard 13.99% APR over the rest of your chosen term.
How much can I finance?
Financeit offers financing from $1,000 up to $100,000, which covers everything from a single water heater replacement to a full furnace and AC system replacement.
Does applying hurt my credit score?
Checking your rate is designed to let you compare options without a hard impact on your score. A hard credit check only happens if you move forward with a full application.
Can I pay off my financing early?
Yes. You can pay off your balance ahead of schedule; check your loan agreement or ask your Financeit representative about any early payout details specific to your plan.
What if my furnace or AC breaks down and I need it replaced right away?
Call us — we offer 24/7 emergency service, and financing can typically be applied for on the spot so a breakdown doesn’t have to mean an unplanned, out-of-pocket expense.
Apply for HVAC Financing Today
Ready to move forward? Apply directly through Financeit, or call ASTHVAC at 647-657-2977 and we’ll walk you through your options.