HVAC Financing in the Niagara Region

Image
Image

24/7 emergency

(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.

Schedule an Appointment

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.

image

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 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.

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 place picture
    MacKay Heating & Cooling
    4.8
    Based on 422 reviews
    review us on
    Stephen K. profile picture
    Stephen K.
    6 days ago
    Fast and professional install of smart thermostat. Would definitely use MacKay again for future HVAC needs.
    Eric Ricker profile picture
    Eric Ricker
    2 weeks ago
    My boiler needed service and one of my radiators was leaking. I called and had a team out the next day to fix the issues. They went above and beyond to make sure everything worked perfectly. I couldn’t have asked for better service and at an excellent price!
    Glenn Morocco profile picture
    Glenn Morocco
    2 weeks ago
    The tech was on time very courteous explained the issues repaired it quickly and cleaned the air conditioning unit very pleased would recommend this company
    Nancy Reed profile picture
    Nancy Reed
    3 weeks ago
    Very pleased with the service
    Kat Best profile picture
    Kat Best
    4 weeks ago
    Visit was ok. I was on time coming from 3hrs away. When i got there i received a message that Tyler would be there in afternoon. (Changed from 11-1 to 1-3) Tyler took measurements 1/2 week before installation.
    Mario Carpino profile picture
    Mario Carpino
    4 weeks ago
    Great team to work with. technicians are well versed in their trade and very kind and informative. Work was super clean and did exactly what they said they would. McKay is second to none.
    Marlene Moore profile picture
    Marlene Moore
    2 months ago
    In June I had a new furnace and A/C installed replacing the old. Brady, Jesse and Tyler were great! Professional, polite, tidy and answered all my questions. A great price !Everything was done at the times given. Due to the flooding, I called to have them check out my furnace that all was well the morning after all the rain. They were here the next day and happily everything was working well. Even answered more of my questions! So happy that I chose Mackay Heating & Cooling!
    Lillian Martingano profile picture
    Lillian Martingano
    3 months ago
    I recently had Mackay Heating & Cooling install a heat pump in my home, and I can't say enough good things about the experience. From the first conversation with their Sales team through to the final installation, every single person I interacted with was friendly, knowledgeable and professional. Their pricing was fair and transparent – no surprises – and the quality of service was outstanding from start to finish. What really stood out was their reliability. They met every commitment which is refreshing and all too rare these days. If you're looking for a heating and cooling company you can trust, look no further. I would recommend Mackay with complete confidence.
    Jim Hickey profile picture
    Jim Hickey
    4 months ago
    Ryan showed up on time for the appointment and had sent a notification he was on the way. Always appreciated. Ryan did a thorough examination of our boiler, heat pump and indoor units. Filters and outdoor unit were cleaned. He answered my questions and gave me an update on the status of everything when he finished. Glad to hear everything is ready for the new season. Ryan was courteous and neat. Would welcome him again.
    Heather Dennis profile picture
    Heather Dennis
    5 months ago
    Brady made this entire process painless. He was polite, friendly and efficient. He took time to explain what would be happening and took pictures so that I could see the changes (very thoughtful as I am mobility challenged). The use of booties and even a red carpet on my basement stairs to ensure there would be no mess for me to clean up was much appreciated. There was no pressure from Fred, the salesman, in any decision making and they were able to give me an appointment fairly quickly. Many thanks to all involved. I would definitely recommend MacKay Heating and Cooling.
    nedra lobo profile picture
    nedra lobo
    5 months ago
    Amazing service! Steve was not only professional but took the time to answer all my questions. Thank you!
    Natasha profile picture
    Natasha
    5 months ago
    Please read this. I noticed your business has some negative reviews that may harm it. If you want to remove negative reviews from your Google Business contact me via the details in my profile. (Natasha)
    Romella Lina profile picture
    Romella Lina
    5 months ago
    It was easy booking with MacKay and they were transparent with the pricing. Tyler did a great job with our AC maintenance. He arrived on time and was efficient. We will definitely reach out to them again for future HVAC service.
    Emil Ivanov profile picture
    Emil Ivanov
    5 months ago
    Dylan was right on time, very polite and professional, checked everything and finished his part in a timely manner. Thanks!
    Diane L profile picture
    Diane L
    7 months ago
    I found McKay's at the St Catharines Home Show back in 2014. We picked them because they were knowledgeable on the subject heat pumps – they installed a new furnace and heat pump for us a few months later – and we have been dealing with them ever since. Everyone we have dealt with has been extremely nice and more importantly, they all go out of their way to provide top quality service. It has been a pleasure dealing with everyone at MacKay Heating & Cooling, with much appreciation.