HVAC Financing in Berkeley & the East Bay

Aarvaks offers HVAC financing through Wisetack. 0% APR financing is available for terms up to 24 months. APR rates range from 0% to 35.9% based on creditworthiness. Loan amounts range from $500 to $25,000.

Founded 1929 Carrier Authorized Dealer Named 2026 #1 HVAC · Bay Area Service Hub 0% APR Up to 24 Months $500 to $25,000

Wisetack Financing Terms

Aarvaks’s HVAC financing is provided through Wisetack. The terms below describe the program Wisetack offers.

0% APR Up to 24 Months

Wisetack offers 0% APR financing for terms up to 24 months.

APR Based on Creditworthiness

Wisetack APR rates range from 0% to 35.9% based on creditworthiness. Applicants not approved for the 0% APR offer may be approved for interest-bearing financing at a higher rate.

Loan Amounts

Wisetack loan amounts range from $500 to $25,000.

What You Can Finance Through Wisetack

The Wisetack $500 to $25,000 range covers Aarvaks services from tune-ups through full system installations. Below are the Aarvaks price points by category, with links to detailed service pages.

Furnace & AC Installation

Furnace installation: $7,500. AC installation: $10,000 to $15,000.

Furnace installation details
AC installation details

Heat Pumps & Mini-Splits

Single-zone ducted heat pump installation: $17,000. Single-zone ductless mini-split: $6,500.

Heat pump services
Mini-split services

Repairs & Maintenance

Diagnostic visits: $79 residential, $189 commercial. Annual tune-ups: $129 single system, $199 combined.

Maintenance and tune-ups

Frequently Asked Questions

Does Aarvaks offer financing for HVAC work?

Yes. Aarvaks offers HVAC financing through Wisetack for installations, repairs, and maintenance.

What APR rates are available through Wisetack?

Wisetack offers 0% APR financing for terms up to 24 months. For applicants not approved for the 0% APR offer, APR rates range from 0% to 35.9% based on creditworthiness.

What is the maximum amount I can finance?

Wisetack loan amounts range from $500 to $25,000.

When is financing offered — before or after the estimate?

After. The estimate determines the amount of financing you would need. Wisetack financing is offered after Aarvaks has provided the estimate.

Book Your Estimate

Get an estimate from Aarvaks. Wisetack financing is offered after the estimate. Aarvaks has served Berkeley and the East Bay since 1929. CSLB #1146520.

All financing is subject to credit approval. No other financing charges or participation fees. State interest rate caps may apply.