Financing & Rebates

Main-Care Energy makes upgrading your HVAC equipment more affordable than ever!

Replacing your home’s heating and cooling equipment can be a significant investment. At Main-Care Energy, we don’t want you to put off these crucial home comfort upgrades because of concerns over cost. Our team of employee-owners will work with you to arrange financing for your new equipment.

There are also wonderful rebates, discounts and other financial incentives available to New York and Vermont households. We’ll help you qualify for them whenever possible.

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Main-Care Energy HVAC financing

Take care of your HVAC equipment installation or service today and pay it off while enjoying energy savings and superior home comfort. Our Equipment and Service Finance Program has some significant benefits:

  • Quick, easy approval process — You can receive approval in as little as five minutes. Reach out to us today to get started.
  • Flexible terms — We finance home projects between $3,000 and $40,000 (pending credit and other approvals).
  • No down payment — Get your HVAC project moving without spending a dime.
  • 9.99% fixed APR for 10 years — We guarantee a low, fixed interest rate while you pay back your loan.
  • Unsecured loans — You don’t need to put down collateral to participate.
  • No prepayment penalties — Pay off your loan early without additional fees.

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Equipment rebates through the New York Propane Gas Association

Empire State households can receive instant rebates on the propane equipment installations below. Funding is limited to 2024 and issued on a first-come, first-served basis, so act quickly. We’ll handle the rebate process for you!

Propane Boiler or Furnace
  • Save $350 when you install a propane boiler or furnace to replace a heating system that uses another fuel.
  • Save $200 when you install a new propane boiler or furnace or replace an existing one.
Propane Water Heater
  • Save $250 when you install a propane water heater to replace a water heater that uses another fuel.
  • Save $100 when you install a new propane water heater or replace an existing one.

Note: $450 maximum combined rebate if applying for rebates for both boiler/furnace and water heater

More information is available here.

New York rebates on oil-fired equipment through Upgrade and Save!

We help Main-Care Energy customers in the NY Capital Region and the Hudson Valley qualify for hundreds of dollars in rebates on heating systems that use eco-friendly Bioheat® fuel. Right now, with Upgrade and Save, you can receive:

Funds are limited and are allocated on a first-come, first-served basis, and some restrictions apply. You can find out more at the Upgrade and Save website.

Become a Customer Today

Equipment rebates through Efficiency Vermont

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Efficiency Vermont regularly offers rebates on heat pumps. You can look at the available rebates on its website and contact us to discuss your heat pump installation.

Federal tax credits for energy-efficient HVAC equipment

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For 2024, as part of the Inflation Reduction Act, you can receive substantial federal tax credits for installing ENERGY STAR-certified heating and cooling systems, along with other qualifying energy-efficient home improvements.

Please go to to learn more.

Save up to $100 with Rinnai!

Rinnai, a leading manufacturer of propane-fired products, is currently offering a special promotion: up to $100 off the purchase of qualifying Rinnai tankless water heaters, heaters and boilers. With Rinnai’s superior engineering, smart design and unmatched quality, you’ll enjoy an endless supply of hot water — plus significant energy savings, all year long. This offer is valid while funds last — so don’t miss out! Contact your local propane dealer for more information today.*

To claim your rebate online or by mail, click here.

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  • Rinnai Tankless Water Heaters (HE+, SE, and SE+Series Only)
  • Rinnai EnergySaver® Direct Vent Wall Furnaces
  • Rinnai Condensing Boilers
  • Rinnai Commercial Water Heaters
  • Rinnai Hydronic Air Handlers

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  • Rinnai Tankless Water Heaters (HE Series)
  • Rinnai Vent-Free Fan Convectors

Contact Main-Care Energy today to take advantage of these financial incentives and to schedule your HVAC installation or service.