Affordable HVAC Solutions with Flexible Financing
Don't let cost stand in the way of comfort. We offer flexible financing options with competitive rates, special 0% APR promotions, and payment plans designed to fit your budget.
Benefits of HVAC Financing
Make your HVAC investment more manageable with flexible payment options
Make Upgrades Affordable
Don't let upfront costs prevent you from getting the comfort you deserve. Spread payments over time.
Preserve Your Savings
Keep your emergency fund intact while upgrading to energy-efficient systems that save money long-term.
Flexible Terms
Choose payment plans that fit your budget with terms ranging from 12 to 120 months.
Quick Approval
Get approved in minutes with our simple online application process. No hassle, no waiting.
Our Financing Options
Choose the financing plan that works best for your situation
Special 0% APR Financing
Qualified buyers can take advantage of promotional 0% APR financing for up to 60 months on select systems.
- No interest if paid within promotional period
- Available on qualifying purchases
- Subject to credit approval
Low Monthly Payments
Extended payment terms mean lower monthly payments that fit comfortably in your budget.
- Terms from 12 to 120 months
- Fixed interest rates available
- Predictable monthly payments
Same-as-Cash Options
Pay no interest when you pay in full within the promotional period - typically 6, 12, or 18 months.
- No hidden fees
- Clear payment terms
- Early payoff welcome
* Financing subject to credit approval. Terms and conditions apply. Contact us for complete details and current promotional offers.
How Financing Works
Getting approved for HVAC financing is quick and easy
Apply Online or By Phone
Complete a simple application online in minutes or call us at 929-319-8010 to apply over the phone.
Get Approved Quickly
Receive an instant credit decision. Most applications are approved within minutes.
Schedule Your Installation
Once approved, we'll schedule your HVAC installation or service at your convenience.
Make Convenient Payments
Make easy monthly payments online, by phone, or by mail. Set up automatic payments for even more convenience.
Why Finance Your HVAC System?
Smart financing can help you save money and improve comfort
Upgrade to Energy-Efficient Systems
High-efficiency HVAC systems cost more upfront but save significantly on energy bills. Financing makes these systems accessible, and monthly savings can offset payment costs.
Handle Emergency Repairs
When your heating or cooling system fails unexpectedly, financing ensures you can afford immediate repairs without draining your savings.
Improve Home Comfort Now
Don't wait to be comfortable in your own home. Financing lets you enjoy better heating and cooling immediately while spreading the cost over time.
Financing Features
We work with reputable financing partners to offer you the best options
Ready to Get Started?
Call us today to discuss financing options and find the perfect payment plan for your HVAC needs. Our financing specialists are ready to help you get approved quickly.
Office Location
60-21 Menahan St #2
Ridgewood, NY 11385
Service Areas
Queens, Brooklyn, Manhattan,
Bronx & Long Island
Important Financing Information
All financing is subject to credit approval. Terms, conditions, and promotional offers may vary and are subject to change. Actual rates, terms, and monthly payments may vary based on creditworthiness and other factors.
Promotional financing offers (such as 0% APR) require minimum purchase amounts and are available for a limited time. Interest may be charged from the purchase date if the purchase balance is not paid in full within the promotional period.
We partner with reputable third-party financing companies. KOKA-TECH HVAC INC does not provide direct financing. Contact us for complete details on current financing offers, terms, and conditions.
Need HVAC Service Today?
Free estimates • Financing available • Senior discounts