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.

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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.

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.

Contact us to claim the offer

*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 3 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 3 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 3-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 3 months.

03

Affordable Rates: Competitive financing rates that suit your budget

04

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

05

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!

    Contact us for Financing (905) 688-1849
    Services We Offer

    We Provide Full Range of HVAC Services

    Furnace Repair & Installation
    Air Conditioning Repair & Installation
    Boiler Repair & Installation
    Water Heater Repair & Installation
    Mini Split Repair & Installation
    Heat Pump Repair & Installation
    Indoor Air Quality Services

    What Our Customers Are Saying

    MacKay Heating & Cooling
    MacKay Heating & Cooling
    4.7
    Based on 228 reviews
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    V. Ganiyev 3382V. Ganiyev 3382
    21:48 21 Dec 24
    24 hours fast and professional. No complains
    Sylvain LouchezSylvain Louchez
    23:53 19 Dec 24
    Terry ChurchTerry Church
    15:03 14 Dec 24
    Fast, effective service. Going to bed Friday night, discovered no furnace heat on the current coldest night of the year. Called MacKay service line, talked to the weekend service guy. He arrived early the next morning, diagnosed the problem, had the required part in his truck. Replaced the part and confirmed the furnace was now running properly. Thanks Josh for a job well done.
    mike hughesmike hughes
    20:29 09 Dec 24
    They installed a replacement cold-weather heat pump on my existing furnace. The estimator, Fred, was courteous, knowledgeable and straight forward. The crew did a great job of installation and clean up. The system appears to be working very well.
    John CromptonJohn Crompton
    16:39 09 Dec 24
    Shelley Martin-RossShelley Martin-Ross
    00:19 04 Dec 24
    We have always received great service. The staff and technicians are all so very friendly and very professional.
    Scott StaceyScott Stacey
    19:06 03 Dec 24
    Excellent service. Been with mc Kay for almost 20 years
    Janice EdwardsJanice Edwards
    17:27 03 Dec 24
    Annual reminders and maintenance scheduled at appropriate times early in heating season. Service appointments prompt and efficient.
    Trevor SwabyTrevor Swaby
    15:05 30 Nov 24
    Great quick same day service with a smile
    Rocco VertucciRocco Vertucci
    22:41 25 Nov 24
    Very professional, on time and courteous!
    Tony & Susan VendittiTony & Susan Venditti
    22:11 25 Nov 24
    MacKay Heating and Cooling came quickly when called. Andrew arrived on time and outlined our options. With a 44 year old furnace and 35 year old air conditioner ( Mac Kay 1989) it was time for replacement. A new HVAC system plus a hot water tank was ordered and installed by a very professional team who worked steadily for two days completing the install, clean up and set up of the system. Quite amazing.After the first weekend with our new furnace we are pleased to have heat evenly distributed throughout house – a first for us. Lots of hot water too!Being family run & locally owned was a bonus. We highly recommend MacKay Heating and Cooling.
    Ivan PlamondonIvan Plamondon
    22:05 25 Nov 24
    It’s been 11 years since MacKay Heating and Cooling installed our Veisman boiler and hot water tank. We have used their yearly service in order to keep our home worry free from heating issues. Service techs are very knowledgeable and provide preventative maintenance tips in order to prevent any subsequent failures. Excellent service year after year.
    Colin BrzezickiColin Brzezicki
    13:43 15 Nov 24
    Cameron arrived promptly and worked efficiently. He was personable and easy to chat to. Very thorough in his examination of my heating/cooling/humidifier systems, and he spent time adjusting my programmable thermostat so that even I can operate it. Great work all round, thank you.
    Debra BakerDebra Baker
    15:45 12 Nov 24
    Fantastic customer service from very knowledgeable staff and technicians. Always a pleasure to see them at our house for annual maintenance checks.
    Paul LemirePaul Lemire
    13:13 12 Nov 24
    Excellent service. Tech arrived on time and did all the work efficiently and thoroughly. Can recommend to anyone – MacKay are THE professionals in HVAC.
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