Financing & rental
$0 down financing, rentals & rebates
A new furnace shouldn't drain your savings. Compare every way to pay — then stack rebates up to $40,000.
Payment calculator
See your monthly payment
Drag the sliders to estimate your monthly furnace payment.
Your estimated monthly payment
$131.77/mo
Total of payments
$7,906
Total interest
$1,406
Estimate only. Actual terms vary by lender and credit profile.
Ways to pay
Compare financing options
From interest-free promos to fully-covered rentals.
0% Promotional Installment
Manufacturer / Dealer Program
Limited-time 0% financing offered through certified manufacturer dealers. Spread the cost interest-free over a short term — ideal if you can handle a higher monthly payment.
- No interest
- No down payment
- Fast approval
Best for: Buyers who want zero interest and can pay over 1–2 years
ApplyLow-Rate Equipment Loan
HVAC Finance Partners
Amortize your new furnace over 3–10 years at a competitive fixed rate. Lower monthly payments with predictable terms and no prepayment penalty.
- Terms up to 120 months
- Fixed monthly payment
- No prepayment penalty
Best for: Most homeowners balancing payment size and total cost
ApplyDeferred Payment Plan
Financeit / Dealer Program
Defer payments for up to 12 months — install now, start paying later. Great for emergency replacements when budget timing matters.
- Defer payments up to a year
- Install immediately
- Useful for emergencies
Best for: Emergency replacements and cash-flow timing
ApplyFurnace Rental / Lease
Furnace.sale Rental Network
Rent a high-efficiency furnace with all parts, labour, and maintenance included for one fixed monthly fee. No repair bills, ever — the unit is fully covered for the life of the rental.
- $0 upfront
- All repairs & maintenance included
- Upgrade options
- No surprise bills
Best for: Homeowners who want zero upfront cost and full coverage
ApplyRent-to-Own
Furnace.sale Rental Network
Combine the coverage of a rental with eventual ownership. Payments build toward owning the furnace outright, with maintenance included along the way.
- Own it at the end
- Maintenance included
- $0 down
Best for: Renters-at-heart who still want to own eventually
ApplyLender Marketplace (Soft Check)
Multiple Canadian Lenders
One soft-credit application is shopped to multiple Canadian lenders so you get matched with your best available rate without affecting your credit score.
- Soft credit check
- Compare multiple offers
- No impact to apply
Best for: Rate shoppers who want the best available offer
ApplyStack your savings
Furnace rebates across Canada
Federal, provincial and utility programs can knock thousands off your install.
Canada Greener Homes Loan
Up to $40,000 interest-free
An interest-free loan of up to $40,000 over 10 years for eligible home energy retrofits, including high-efficiency furnaces and heat pumps.
All provinces & territories
Home Efficiency Rebate Plus
Up to $7,800
Enbridge + federal co-delivered rebates for insulation, furnaces, heat pumps, and home energy assessments in Ontario.
Ontario (Enbridge)
CleanBC Better Homes
Up to $6,000
Rebates for high-efficiency heating upgrades, with the largest amounts for heat pump conversions.
British Columbia
Efficiency Manitoba Home Rebates
Up to $4,400
Rebates and financing for high-efficiency natural gas furnaces and insulation upgrades.
Manitoba
Rénoclimat
Varies
Quebec's home energy retrofit program offering grants after pre- and post-renovation evaluations.
Quebec
Efficiency Nova Scotia
Up to $5,000
Home Energy Assessment rebates for efficient heating systems and envelope upgrades.
Nova Scotia
Our installers handle the rebate paperwork for you. Get started →