Financing Options
Buy Today, Pay Over Time*
At Arctic Air Conditioning, we understand that heating and cooling systems are a major investment in your home. When a system needs to be repaired or replaced, waiting isn’t always realistic, especially during extreme temperatures.
Financing gives homeowners a practical way to move forward with essential HVAC work without delaying service or taking on a large upfront expense. That’s why Arctic offers financing options with approved credit to help make heating and cooling installations and replacements more manageable.
HVAC Financing Made Simple
Financing is designed to support homeowners who need reliable heating and cooling solutions, whether you’re replacing an aging system or responding to an unexpected breakdown.
By applying through our trusted third-party financing partner, Upgrade, you can explore payment options that help:
- Move forward with heating or cooling service when it’s needed
- Reduce large upfront costs
- Keep expenses predictable with manageable monthly payments
- Invest in a dependable, energy-efficient HVAC system
Financing is available for new heating and air conditioning system installations and replacements.
All financing is subject to credit approval.
Arctic proudly serves homeowners throughout Monmouth, Middlesex, Mercer, Ocean, and Somerset counties in New Jersey.
To get started, apply directly through Upgrade using the link below.
Apply for Financing
Loans are subject to credit approval. Home Improvement Loans offered through Upgrade are made by Cross River Bank, Member FDIC, Equal Housing Lender. Upgrade, Inc. (NMLS #1548935) holds the following state licenses.
These loan terms are not guaranteed and are subject to our verification and review process. Applicants may be asked to provide additional documents to enable us to verify their income and their identity. For loans that charge interest, this rate includes an Autopay APR reduction of 0.5%. By enrolling in Autopay, borrowers' payments will be automatically deducted from their bank account. Selecting Autopay is optional. If you are eligible for credit union membership, you may be required to join a credit union to receive the APR shown. Subsequent charges and fees may increase the cost of the loan. There is no fee or penalty for repaying a loan early. For more information, applicants should refer to the applicable Borrower Agreement and TILA Disclosure.
Loans may be disbursed in one or more advances. These loan terms are estimates based on the assumption that the loan is disbursed in a single advance upon execution of the Borrower Agreement. Actual loan terms may vary depending on, among other things, the exact number of advances, the amount of each advance, and the date on which each advance will occur.
