Flexible Financing
Financing Options
Affordable solutions to help you upgrade your home’s comfort and efficiency — on your terms.
Flexible Financing Options to Fit Your Budget
At Upstate Spray Foam & HVAC, we believe that upgrading your home’s comfort and energy efficiency should be within reach—without the financial stress. That’s why we’ve partnered with trusted lenders to offer financing options tailored to your needs.
Whether you’re installing new spray foam insulation, upgrading your HVAC system, or pursuing a whole-home energy retrofit, we’ll help you find a financing solution that fits your budget.
Financing Partners You Can Count On
AmeriCu Credit Union
Energy Efficiency Loans
AmeriCu offers competitive-rate loans specifically for energy efficiency upgrades. With simple applications and fast approvals, it’s an easy way to get started on your project.
- Minimum loan amount 1k – Max 75k
- Rates Range 5.49%-15.99% (based on credit score)
- Local Credit Union – Easily accessible customer service, call in, visit branch, use their app
- Quick Loan decision
- No fee for paying off early
- Access to FICO Score
NYSERDA Residential Financing via
Slipstream / Energy Finance Solutions
Looking for low-interest financing for energy-saving improvements? Through NYSERDA’s Residential Financing Program, qualified New York homeowners can access flexible, affordable loan options.
- Up to 25k (lifetime)
- 4.0%-8.0%
- NYSERDA Residential Financing Program
- Approval isn’t just dependent on applicants’ credit score, also relies on the project’s energy savings (so usually, applicants who don’t have a good credit score can still be approved)
- Smart Energy Loan – This loan is available to help customers finance energy efficiency and mechanical improvements to their homes. It is repaid in installments to NYSERDA’s loan servicer.
** We do not offer the On-Bill Recovery Loan option
