
Low-rate heat pump finance from 5.9%APR
Cleaner, more affordable home heating should be accessible.
With Aira’s low-rate finance from 5.9%APR, you can spread the cost of your heat pump across monthly payments – and pay nothing until your system is installed and running.
What your monthly payments could look like
Representative examples
10-year payment plan | 5-year payment plan | |
|---|---|---|
| Purchase price | £8,200 | £8,200 |
| Deposit | £0 | £0 |
| Interest rate (fixed) | 9.9% p.a. fixed. Representative APR 9.9% | 5.9% p.a. fixed. Representative APR 5.9% |
| Loan term | 120 months | 60 months |
| Monthly payment | £107.91 | £158.15 |
| Total amount payable | £12,949 | £9,489 |
| Cost of credit | £4,749 | £1,289 |
Both examples are based on a typical 2-bed terraced house fitted with 6KW Aira Heat Pump, 100L Indoor Unit, 40L Buffer Tank and 2 standard radiator upgrades. An individual quote will be provided. Subject to finance and affordability.
How heat pump finance works with Aira
Book your free home energy assessment
During your free home energy assessment, an Aira Clean Energy Expert will assess your home, explain your financing options and provide a quote for your new heat pump system.
Book your home energy assessmentApply for your finance plan
If you choose to spread the cost, our finance partner Stax will send you a secure link to your finance application. Once submitted, a credit check is completed, and you’ll receive a decision shortly after.
We’ll arrange your technical survey
Once your payment option is confirmed, we’ll arrange your technical survey. During the visit, we’ll take detailed measurements and carry out a heat loss calculation to design a heat pump system tailored specifically to your home.
We'll arrange your installation
Once you’re happy with your system design, we’ll schedule your installation. Your monthly payments won’t begin until everything is installed and your system is up and running.

About our heat pump finance
With Aira, switching to a heat pump is hassle-free from start to finish – including finance. Our low-rate plans let you spread the cost into monthly payments, with no upfront deposit.
- Low-rate finance from 5.9%APR Representative
- Flexible repayment terms of 5 or 10 years
- Zero upfront deposit
- Early repayment available

Flexible finance is just one part of your Aira switch
With Aira, flexible finance options are just one part of the journey to cleaner, more affordable home heating.
- Free home energy assessment
- Bespoke Aira Heat Pump system design
- Expert installation from Aira Academy-trained technicians
- Old boiler removal
- 15-Year Aira Guarantee
No more middlemen. No more being pulled from pillar to post. Everything is under one roof – just how it should be.

Finance your entire home energy system
Clean energy tech should be accessible and affordable.
That’s why the same 5-year finance from 5.9%APR is available for the full Aira Home Energy System – including solar panels and our Power Store home battery.
You can also choose our flexible 10-year payment plan if you’d prefer to spread the cost further.
You could also get up to £2,000 cashback from your bank
Did you know, you could also qualify for up to £2,000 cashback from major UK banks when you install a heat pump? And sometimes solar and batteries, too?
Many schemes simply require an MCS-certified installer – which Aira is.
Ready to see your heat pump finance options?
Disclosure Statement
Aira Home UK Limited, registered in England and Wales, company number 14146166. Registered Office, Unit 14, Mercury Way, Trafford Park, Stretford, M41 7LY.
Aira Home UK Ltd is an Appointed Representative of Shermin Finance Limited, who are authorised and regulated by the Financial Conduct Authority FRN 727594, company number 1276121. Registered Office: HomeServe, Cable Drive, Walsall, WS2 7BN. Shermin Finance Limited act as a credit broker and not a lender, introducing from a panel of lenders. The permissions of Shermin Finance Ltd as a principal firm allows Aira Home UK Ltd to undertake credit broking. Credit is subject to status and affordability.