HVAC Financing in the Niagara Region

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(905) 688-1849

HVAC Financing Made Easy with MACKAY Heating & Cooling

At MACKAY Heating & Cooling, we are proud to offer HVAC financing options that make upgrading your heating or cooling system affordable and stress-free. Whether you need a new furnace, air conditioner, or heat pump, our flexible financing solutions are designed to fit your budget. With our limited-time offer, you can save big while keeping your home comfortable year-round.

Certified Team Members
Affordable HVAC Financing

Our technicians are certified gas fitters in Ontario, fully insured, and bonded for your peace of mind.

Affordable HVAC Financing in the Niagara Region

MACKAY Heating & Cooling is committed to making energy-efficient heating and cooling systems accessible to everyone. We offer affordable and easy HVAC financing options tailored for Niagara Region customers. With competitive rates and manageable payment plans, you can upgrade your HVAC system without breaking the bank.

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Current Limited-Time Offer*

Right now, you can take advantage of our special limited-time offer:

  • Make no monthly payments and pay no interest for 3 months!
  • Save the HST on a new furnace, AC, heat pump, or combination system!

Prepare for the upcoming winter with a high-efficiency system from trusted brands like Trane, Goodman, or York. Upgrade now and enjoy long-term energy savings while taking the pressure off your budget with our financing options.

*Financing is available OAC (On Approved Credit). Customers financing their purchase will have monthly payments and interest accrual deferred for 3 months. For example, if you sign up on December 1, 2024, deferred monthly payments start from March 1, 2025, with interest accruing at 13.99% per annum. A loan administration fee of up to $149 applies. Offer valid until December 31, 2024.

How HVAC Financing Works

Choose Your System

Select from a variety of high-efficiency furnaces, air conditioners, or heat pumps.

Apply for Financing

Financing is available OAC. Once approved, enjoy 6 months of no payments or interest.

Save on Installation Costs

MACKAY Heating & Cooling will pay the HST on your new system installation.

Start Payments After 6 Months

Begin affordable monthly payments with flexible terms designed to suit your needs.

Example HVAC Financing Plan
  • System: Trane high-efficiency furnace valued at $7,000 + taxes.
  • Upfront Financing Fee: $105 (paid at the time of financing).
  • Loan Terms: Zero down payment, 180-month amortization, 60-month loan term.
  • Monthly Payment: $94.57 in Ontario.

Note: Financing is subject to a 13.99% annual interest rate after the 6-month deferral period. Terms and conditions apply.

Brands we sell & service

With over 50 years of experience in the Niagara Region, we service and repair any brand or all major brands of furnaces, AC units, heat pumps, and mini-splits.

Trusted Since 1967

Why Choose MACKAY for HVAC Financing?

01

Flexible Payments: Spread the cost of your system upgrade over manageable monthly payments.

02

Deferred Payments: No interest or payments for the first 6 months.

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Affordable Rates: Competitive financing rates that suit your budget

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Energy Savings: Upgrade to an energy-efficient system and reduce your monthly utility bills.

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Top Brands: Choose from trusted names like Trane, Goodman, and York.

Submit your inquiry

    What type of service are you interested in?
    Installation of New Equipment Budget - If Applicable
    Are you interested in MacKay's 0% financing options?

    Take advantage of our affordable HVAC financing options to upgrade your heating or cooling system today. Whether you’re in Niagara Falls, St. Catharines, or anywhere in the Niagara Region, MACKAY Heating & Cooling is here to help.

    Call us now or fill out our online form to learn more about our HVAC financing plans and schedule your installation.

    Keep your home comfortable while saving money!

    What Our Customers Are Saying

    MacKay Heating & Cooling place picture
    4.8
    Based on 324 reviews
    powered by Google
    John Walker profile picture
    John Walker
    20:57 28 Nov 25
    We can always count on MacKay to be reliable and honest anytime we need service done to our old furnace. Thanks for the quick response yesterday.
    Antonio Mash profile picture
    Antonio Mash
    16:28 27 Nov 25
    The customer service rep Helio,was not only helpful but resolved the issue with professionalism and great care.
    ERNIE SWEENEY profile picture
    ERNIE SWEENEY
    20:13 25 Nov 25
    Puntial, knowledgeable, good service, answers to all our questions. Thanks Steve
    Shelley Wilsher profile picture
    Shelley Wilsher
    19:51 25 Nov 25
    Great service , came same day
    Wendy Funk profile picture
    Wendy Funk
    17:21 25 Nov 25
    Regular maintenance done with efficiency, respect for my home and communication!
    Jean Roessner profile picture
    Jean Roessner
    03:10 25 Nov 25
    Great service done by Steve, who came and efficiently cleaned and got my furnace ready for the season. I had a call to book appointment for cleaning, and a reminder call for when tech was on way. Well done!!
    Neal D profile picture
    Neal D
    00:53 21 Nov 25
    Quick to diagnose my furnace issue. Very easy to deal with. Polite service technician.
    Sheila Massey profile picture
    Sheila Massey
    17:11 17 Nov 25
    MacKay installed my furnace and hot water tank 16 years ago and I have had the furnace maintained by them over the years. The staff are efficient and friendly and I highly recommend this company.
    Irene McEvoy profile picture
    Irene McEvoy
    19:16 13 Nov 25
    We have used MacKay Heating since purchasing our home 15 years ago. We have used them to replace our furnace and air conditioner as well as maintenance calls. We have always been very satisfied with their service and response to issues. I’d highly recommend them.
    Shalom O profile picture
    Shalom O
    11:35 11 Nov 25
    From start to finish, the service was great. The two guys who were here were very polite and cleaned the area after they finished. We have been dealing with this company for 24 years. They installed our first furnace in 2001 and have maintained the furnace all throughout this period. I will recommend them again and again.
    Laurie Andrews profile picture
    Laurie Andrews
    13:39 08 Nov 25
    Just got a new furnace, A/C and hot water tank and we were happy with the experience. The sales and service personnel were professional, arrived on time and finished ahead of schedule. Would highly recommend.
    Wendy Edmonson profile picture
    Wendy Edmonson
    20:32 06 Nov 25
    Excellent service! I highly recommend this company.
    Kevin Wildeman profile picture
    Kevin Wildeman
    19:40 30 Oct 25
    The folks at MacKay heating and cooling are friendly, professional, prompt and go out of their way to get to you quickly and resolve problems. We’ve been using them for years and have always been happy even when they are called upon in the middle of the snowy night. I recommend them with enthusiasm.
    Sam Young profile picture
    Sam Young
    20:24 29 Oct 25
    This is my 1st experience with MacKay heating . After my regular service company responded , in late October , to my request to perform my annual furnace maintenance service in November . Sorry , we have not started to book November yet was the response . This was the same company I purchased my new furnace from 3 years ago , and this year measured up for a new Air Conditioner and never provided a price . ‘ HOW DO SOME COMPANIES STAY IN BUSINESS ?
    MacKay was different . They were immediately on the ball . Most cooperative , friendly and professional in customer relations
    In this instance , SERVICE WITHIN 1 WEEK . The service technician was equally personable and a REAL PROFESSIONAL .
    As a former Metal Manufacturing business owner and Mechanical / Aeronautical Engineer . I appreciate a company who puts the customer 1st . and knows their stuff .
    I would not hesitate recommending MacKay Heating & Cooling for your HVAC requirements . An 11 out of 10 .
    Quinton Ascah profile picture
    Quinton Ascah
    14:38 29 Oct 25