Financing

Read below about our financing programs to see which one is right for you and contact us today on how to apply.

Credit Financing

Polar Express knows that money can be tight when it comes to repairing or replacing your heating and air conditioning systems. We know you work hard and deserve to enjoy the comfort you need at a reasonable cost. We have gone the extra length to offer all of our customers financing with low monthly payment for any repair or system replacement. We don't have only one financing package and the HERO program might not be for you, so we now offer multiple financing packages and plans that can be modified to best fit your qualifications and needs. The following are options of financing that Polar Express Heating and Air Conditioning offer.



Equal Payments 0% APR

Purchase a heating and A/C system for as low as $100 per month with 0% APR! Payment terms of 60 mo.

• Finance any Repair or Replacement for your Heating And Air Conditioning System

• Financing All Year Long

• Payment as low as $100 per month for complete System replacements

• Payment terms available for up 60 Months

• 0% APR



Custom Payments

Looking for Payment options? Low APR financing now available.

• Reduced rate of 9.90% APR with custom payments

• Low custom payments with a reduced rate of 5.90% APR



The VISA credit card is issued by Wells Fargo Financial National Bank, an Equal Housing Lender. Special terms apply to qualifying purchases charged with approved credit at participating merchants. The special terms APR will continue to apply until all qualifying purchases are paid in full. Monthly payments of at least 1.7% of the purchase balance are required during the promotional (special terms) period. The APR for Purchases will apply to certain fees such as a late payment fee or if you use the card for other transactions. For newly opened accounts, the APR for Purchases is 9.90%. This APR may vary with the market based on the U.S. Prime Rate and is given as of 11/06/2014. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. If you use the card for cash advances, the cash advance fee is 5.00% of the amount of the cash advance, but not less than $10.00.

Hero Financing

In a typical US home, the HVAC system uses 56% of the home’s total energy consumption (Energy Savers), so improving the efficiency of your system can equal big savings on your utility bill. In addition to efficient furnaces and central air conditioners, there are a variety of options to improve a home’s HVAC system that homeowners may finance through the HERO Program, including duct sealing, whole house fans and heat recovery ventilators. Contact us today for more information.



Available In Riveside County, San Bernardino County

Orange County & San Diego Counties coming soon

• Instant Approval

• No Credit Score Requirements

• 100% of Installed Costs Financed

• 5, 10, 15, or 20 Year Terms Available

• Transferable if Property is Sold

• Finance up to 15% of the Property Value

• Payments made with Property Taxes

• Tax Deductible

• Payments as low as $100 per. mo.

• Save $50- $150 per Month on Utility Bills



After qualifying under strict requirements Polar Express Heating and Air Conditioning is now offering a new and exciting form of financing and Government assistance through the Western Riverside Council of Governments (WRCOG) and San Bernardino Associated Governments (SANBAG). HERO is low cost financing for heating and cooling efficient products. HERO is designed to assist residential property owners with reducing the energy usage of their homes by installing eligible products. HERO is repaid through an assessment on a homeowner’s property tax bill over 5 to 15 years, depending on the useful life of the eligible product. Cities Included are Lake Elsinore, Canyon Lake, Temecula, Murrieta, Menifee, and Corona.