HVAC Rebates & Financing in New Jersey

Alfano Mechanical helps New Jersey businesses and homeowners lower the cost of high-efficiency heating and cooling through HVAC rebates, utility incentive programs and financing. As a PSE&G Trade Ally, we check what you qualify for, prepare the paperwork and install the equipment, so you get the savings without the legwork.

Call 201-904-2060 and we’ll tell you which programs fit your project.

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For Businesses: PSE&G Direct Install

Alfano Mechanical is a PSE&G Trade Ally for the Direct Install program, which helps small and midsize businesses, nonprofits and public facilities replace aging equipment with high-efficiency systems, with PSE&G paying a significant portion of the project cost.

Qualifying upgrades include:

How it works with us:

  1. Eligibility check. We confirm your facility and PSE&G account qualify.
  2. Assessment. We walk your facility and identify the upgrades that qualify.
  3. Paperwork. We prepare the proposal and the PSE&G program documents.
  4. Installation. Our team installs the new equipment and closes out the project with PSE&G.

For larger buildings and custom projects, we also pursue PSE&G business rebates and New Jersey energy-efficiency incentives as part of our design-build projects.

For Homeowners: PSE&G Instant Rebates and 0% On-Bill Repayment

Alfano Mechanical is also a PSE&G Trade Ally for the residential HVAC Instant Rebates program, available to PSE&G residential electric customers in single-family homes and buildings with up to four units.

  • Instant rebates: taken right off your invoice when you install qualifying high-efficiency equipment, with additional savings for income-qualified households.
  • 0% on-bill repayment: pay for your project in equal monthly installments on your PSE&G bill, at no interest. Most HVAC projects qualify for up to $25,000, generally repaid over 84 months, with higher limits for heat pump projects. There’s no credit check; PSE&G looks at your bill payment history instead.
  • Qualifying equipment: high-efficiency air conditioners, furnaces and air handlers, heat pumps, heat pump water heaters and smart thermostats.

We’ll confirm which equipment qualifies and apply the rebate for you.

Financing Options

Not a PSE&G customer, or need a different payment plan? We offer two financing partners:

  • NEIF (National Energy Improvement Fund): As a NEIF-approved contractor, we offer fixed-rate monthly payment plans for heating and cooling upgrades, with no lien on your home and no closing fees.
  • JB Financing: Convenient financing for air conditioning and heating installations, with a quick online application.

Upgrading to high-efficiency equipment also lowers your monthly energy bills, which can offset much of the payment.

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Apply with JB Financingarrow_outward

Every program has its own eligibility rules and can change without notice. We’ll confirm what you qualify for before you commit.

HVAC Rebates & Financing FAQs

Yes. Eligible PSE&G residential customers can pay for qualifying HVAC projects in equal monthly installments on their PSE&G bill at 0% interest. Most HVAC projects qualify for up to $25,000, generally over 84 months, with no credit check.

The program is designed for small and midsize businesses, nonprofits and public facilities with PSE&G service. Call us at 201-904-2060 and we’ll check your eligibility.

In many cases, yes. The instant rebate lowers the price, and on-bill repayment or financing can cover the rest. We’ll show you the options for your project.

The federal Energy Efficient Home Improvement Credit (25C) ended for equipment installed after December 31, 2025. PSE&G rebates, on-bill repayment and state incentives remain available. Consult a tax professional about your situation.