Upgrade your home today with flexible and interest-free financing programs available through our trusted partners.
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Loan Amounts:
Rates:
Approval Rate:
Fast Decisions:
At IRBIS HVAC, we understand that investing in your home’s comfort and energy efficiency can feel like a big commitment. That’s why we partner with leading financing providers to offer flexible, affordable, and even interest-free options to help you repair, replace, or upgrade your system without financial strees
Flexible Financing for Heat Pump Upgrades
Up to $100,000
Terms up to 20 years
Options: 0% promo plans, low-interest, or deferred payment plans
Fast approval process (often same-day)
Can be combined with rebates to lower costs
Homeowners completing HVAC, water heating, electrical panel upgrades, or other home improvement projects
Make Going Electric Affordable
$2,500 – $50,000
Terms up to 15 years
No home equity required
Flexible credit approval
Can be paired with rebates (SJCE, SVCE, TECH Clean California, and more)
California homeowners
Projects such as heat pumps, water heaters, electrical upgrades, insulation, and more
Upgrade your home with unbeatable financing options
0% APR, up to $10,000
Terms: 2–5 years
No fees, no credit check
Payments are included in the monthly electric bill
Can be combined with PCE rebates
Active PCE residential customers
Homeowners with a bill in their name
No past-due balance on the last three PCE bills
Interest-free Payment Plan for up to $5,000 to electrify your home!
0% APR, up to $5,000
Terms: 2, 3, or 5 years
No fees, no credit check
Payments added to your monthly electric bill
Eligible costs: equipment, installation, materials, labor, electrical work
San José Clean Energy residential customers
Homeowners (or renters with written homeowner approval)
No past-due balance on the last three PG&E bills
While each financing partner has its own application, the process generally follows these simple steps:
Step 1
Schedule free in home consultations and choose the right plan for your home
Step 2
Review and sign your loan agreement (most approvals within a few business days)
Step 3
Once approved, our team installs your new system or upgrades
Step 4
Repay your loan directly through your monthly electric bill or chosen lender
Questions & Answers
SJCE and PCE do not require a credit check. GoGreen and Service Finance offer flexible credit approval options
Yes. All programs allow you to stack financing with available rebates for maximum savings.
For SJCE and PCE, payments are added directly to your monthly electric bill. For GoGreen and Service Finance, you’ll make monthly payments to the approved lender.
Yes, but you’ll need written approval from the homeowner.
For Service Finance any, for SJCE and PCE – heatpumps.
Service Finance often provides instant approval within minutes. SJCE and PCE typically review applications within a few business days.
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