Financing Options
Affordable Payment Plans for Your Navien Tankless Water Heater
Estimate Your Monthly PaymentsDon't Let Budget Stand Between You and Endless Hot Water
At All Island Comfort, we believe every Long Island homeowner deserves access to high-efficiency Navien tankless water heaters. That's why we've partnered with Wisetack to offer flexible, transparent financing that lets you pay over time with no surprises.
Whether you're investing in a new Navien NPE-A2 installation, upgrading from an old tank to a Navien NPE-S2, or need an unexpected repair on your NHW-AI or NHW-AE unit, our financing makes it easy to get started today and pay at your own pace.
How Financing Works
Getting approved is fast and simple. Here's the process from start to finish.
Get Your Estimate
Contact us for a free estimate on your Navien tankless water heater installation or repair service. Your estimate will include a link to apply for financing through Wisetack.
Apply in Seconds
Click the Wisetack link and enter some basic information. The application takes about a minute to complete, and checking your eligibility does not impact your credit score.
Choose Your Plan
If approved, you'll see up to 6 payment options with various term lengths and monthly amounts. Each option clearly shows your monthly payment and total cost. Simply choose what works best for your budget.
We Get to Work
Once you select a plan, All Island Comfort receives payment in full and we schedule your service right away. You pay affordable monthly installments over time.
Financing at a Glance
Financing Range
$500 - $25,000
Covers everything from repairs to full system installations.
APR Rates
0% - 35.9%
Based on creditworthiness. State interest rate caps may apply.
Repayment Terms
3 Months - 10 Years
Choose the timeline that fits your budget and comfort level.
Simple Interest
Fixed Payments
Know exactly what you'll pay each month. No compounding interest.
Why Finance Instead of Using a Credit Card?
Wisetack financing can save you money compared to carrying a balance on your credit card. Here's why homeowners across Nassau and Suffolk County choose to finance their Navien installation.
Credit Cards
Wisetack Financing
What Can You Finance?
Use Wisetack financing for any of our Navien tankless water heater services.
New Installations
Full Navien tankless water heater installation, including all Navien models.
Repair Services
All Navien tankless water heater repairs, from error codes to part replacements.
Condensate Neutralizer
Condensate neutralizer installation, replacement, and maintenance service.
All Navien Models
Financing available for NPE-A2, NPE-S2, NHW-AI, and NHW-AE series units.
Financing FAQs
How does Wisetack financing work?
Wisetack is a simple way to pay over time for your Navien tankless water heater service. After you receive an estimate from All Island Comfort, you'll get a link to the Wisetack application. The application takes about a minute to complete. If eligible, you'll receive several payment options to choose from with various term lengths and monthly payment amounts. We receive payment in full, and you pay easy monthly installments.
Will checking my options affect my credit score?
No. When checking your eligibility, Wisetack and its lending partners perform a soft credit pull, which means your credit score will not be affected. However, accepting a financing offer can affect credit, and repayment behavior will also affect credit. Paying on time can have a positive impact, while paying late will have a negative impact.
Why choose Wisetack over a credit card?
Wisetack may offer a lower rate than your credit card. Wisetack financing uses simple interest, while credit cards charge compound interest. There are no late fees, prepayment fees, or origination fees. With Wisetack, you know exactly how much you'll pay each month, which many homeowners find more affordable and predictable than a credit card.
Do I need a mobile phone to apply?
Yes, a mobile phone number is required to use Wisetack. For security purposes, Wisetack sends a verification code via SMS when accessing the application.
How much can I finance?
Wisetack offers financing from $500 to $25,000. This covers most Navien tankless water heater installations on Long Island, which typically range from $3,000 to $5,500 depending on the model and complexity. Repair services are also eligible for financing.
What are the payment terms?
Repayment terms range from 3 months to 10 years, depending on the amount financed and your qualifications. APR rates range from 0% to 35.9% based on creditworthiness. Extended 0% APR options are available for up to 24 months for qualifying customers. State interest rate caps may apply. There are no other financing charges or participation fees.
Is Wisetack available in New York?
Yes. Wisetack is available in all 50 states, including New York. All Long Island homeowners in Nassau and Suffolk County can apply for financing through All Island Comfort.
What if I want to pay off my loan early?
There are no prepayment penalties. You can pay off your balance at any time without any additional fees. You can also set up automatic payments to ensure on-time payments and help build a positive credit history.
Have more questions? Visit our FAQ page or contact us directly.
Sample Monthly Payments
Here's what monthly payments might look like for a typical Navien tankless water heater installation.
All financing is subject to credit approval. Your terms may vary. Payment options through Wisetack are provided by its lending partners. Offers range from 0-35.9% APR based on creditworthiness. State interest rate caps may apply. No other financing charges or participation fees.
Energy Efficiency Credits & Rebates
In addition to financing, you may qualify for energy efficiency incentives that can further reduce the cost of your Navien tankless water heater.
Federal Tax Credits
High-efficiency water heaters may qualify for federal energy tax credits under the Inflation Reduction Act. Navien condensing models (NPE-A2, NPE-S2) with Energy Star certification may be eligible for credits up to $2,000. Consult your tax advisor for current eligibility.
PSEG Long Island Rebates
PSEG Long Island offers rebates on qualifying high-efficiency heating equipment for residential customers. Check PSEG's current incentive programs to see if your Navien installation qualifies for a utility rebate.
NYS Clean Heat Incentives
New York State's Clean Heat program offers incentives for upgrading to high-efficiency heating systems. Energy Star certified tankless water heaters may qualify for additional state-level rebates and incentives.
Rebate and credit availability changes periodically. All Island Comfort can help you understand which incentives may apply to your installation. Contact us for current information, or visit EnergyStar.gov and PSEG Long Island for the latest programs.
Ready to Get Started?
Call us today or schedule a service appointment to receive your free estimate with financing options included. Our team is available 24/7 to help Long Island homeowners with all their Navien tankless water heater needs.
Don't forget to check our current coupons and specials for additional savings!