Need a new boiler but do not fancy paying the full cost upfront? Fair enough. Boilers are not exactly an impulse buy.
- Boiler finance options at Heatable
- How do boilers on finance work?
- How much does boiler finance cost per month?
- Real Heatable quote data: common boiler finance amounts
- 0% APR Boiler Finance
- No Deposit Boiler Finance
- Can I Get a Boiler on Finance with Bad Credit?
- Boiler finance vs paying upfront
- Benefits of a new boiler on finance
- Boiler finance alternatives
That is where boiler finance comes in. Instead of paying everything in one go, you can spread the cost of your new boiler and installation with manageable monthly payments.
At Heatable, we offer pay monthly boiler finance, including selected 0% APR options, so you can get the heating and hot water you need without dropping a small fortune in one go.
Whether you are replacing an unreliable boiler, upgrading to a more efficient model, or trying to avoid a wallet-bruising upfront bill, boiler finance gives you more flexibility.
You can choose a repayment option that suits your budget, apply online, and get your boiler installed quickly by a Gas Safe engineer.
Because replacing a boiler is stressful enough without a mystery bill attached.
💨 Boiler finance at a glance:
Pay monthly boiler finance available on selected boilers
Selected 0% APR options available from 12 to 48 months
No deposit options available
Flexible repayment terms available, including longer-term finance
Fast online quote and installation in as little as 24 hours
Poor credit history does not always mean an automatic no
Heatable is authorised and regulated by the FCA as a credit broker, not a lender
Finance is subject to status, affordability checks and lender approval
Get a New Quote (Finance Available, Including 0% APR).
Boiler finance options at Heatable
We offer a range of boiler finance options to suit different budgets and repayment preferences.
Finance option | Deposit | Term | APR | Best for |
0% APR boiler finance | £0 to 50% | 12 to 48 months | 0% | Keeping total repayable lower |
Longer-term boiler finance | £0 to 50% | Up to 10 years | Varies | Lower monthly payments |
No deposit boiler finance | £0 | Varies | Varies | Avoiding upfront costs |
The right option depends on what matters most to you. Some people want the lowest possible monthly payment.
Others want to clear the balance faster and keep the total repayable amount down. Some want no deposit. Others prefer to put money down upfront and reduce what they pay each month.
No weird hard sell. No ancient clipboard energy. Just clear options.
How do boilers on finance work?
Boilers on finance let you spread the cost of your new boiler and installation over fixed monthly payments instead of paying for everything upfront.
Once you get your quote, you can review the finance options available for your chosen boiler. Depending on the product and term, you may be able to choose from:
selected 0% APR boiler finance
longer-term finance with lower monthly payments
no deposit boiler finance
the option to pay a deposit of up to 50%
At Heatable, the process is simple:
1. Get your fixed price quote
Use our online quote tool to see which boilers suit your home and budget.
2. Choose your boiler and finance option
Pick the boiler you want, then review the finance options available.
3. Complete your application
Your application is assessed by the lender based on status, affordability, and credit checks.
4. Book your installation
Once approved, you can choose an installation date that works for you.
5. Get your new boiler installed
A Gas Safe engineer installs your new boiler and gets everything up and running.
Simple. Because buying a boiler should not feel like applying for diplomatic immunity.
How much does boiler finance cost per month?
The monthly cost of boiler finance depends on:
the boiler you choose
the total installation cost
your deposit
the repayment term
whether the finance is 0% APR or interest-bearing
the lender’s approval and finance terms
Shorter terms usually mean higher monthly payments but a lower total repayable amount.
Longer terms usually mean lower monthly payments but may increase the total amount paid overall if interest applies.
Example boiler cost | Deposit | Example term | APR | Example monthly payment | Total repayable |
£2,095 | £0 | 24 months | 0% | £87.29 | £2,095 |
£2,095 | £1,047.50 | 24 months | 0% | £43.65 | £2,095 |
£2,130 | £0 | 24 months | 0% | £88.75 | £2,130 |
£2,130 | £1,065 | 24 months | 0% | £44.38 | £2,130 |
These examples are illustrative only. Your final monthly payment depends on your selected boiler, installation requirements, deposit, term and finance approval.
Real Heatable quote data: common boiler finance amounts
To help show the kind of installation costs customers may choose to finance, we reviewed Heatable quote data across common boiler replacement jobs.
These are quoted installation costs, not finance offers. They are included to help you understand the likely size of the purchase you may want to spread monthly.
Installation type | Median Heatable quote | Common quote range | Typical scenario |
Like-for-like combi swap | £2,300 | £2,150-£3,000 | New combi fitted in the same location |
Premium combi swap | £2,800 | £2,400-£3,500 | Higher-spec boiler, longer warranty or upgraded controls |
Regular/system to combi conversion | £3,000 | £2,900-£3,500 | Cylinder/tank removal or heating system changes |
Back boiler to combi conversion | £4,100 | £3,500-£4,600 | Old back boiler replaced with a modern combi |
System boiler replacement | £3,500 | £3,300-£4,000 | System boiler replaced, usually with cylinder retained |
Conventional boiler replacement | £3,550 | £3,200-£4,000 | Heat-only boiler replacement in a traditional system |
Boiler replacement with relocation | £5,000 | £4,500-£6,600 | New boiler moved to a different location |
By “like-for-like combi swap”, we mean a standard combi boiler replacement where the new boiler is installed in the same location and no major conversion, relocation or non-standard pipework is required.
The “common quote range” reflects typical quotes in our sample and excludes unusual installations where substantial extra work was required.
0% APR Boiler Finance
With 0% APR boiler finance, you spread the cost of your boiler and installation without paying interest on top.
That means the total amount payable is the same as the cash price, provided you make all payments on time and stick to the agreed term.
For many homeowners, this is the most attractive option because it keeps the overall cost lower than longer-term interest-bearing finance.
The trade-off is that monthly payments are usually higher than they would be on a longer repayment term.
Example of 0% APR boiler finance
A £2,095 Worcester Bosch Greenstar CDi Compact over 2 years works out at:
£87.29 per month
£0 interest
£2,095 total payable
We also offer selected 0% APR boiler finance examples on other popular boilers, including Viessmann models.
Financial Disclosure: 0% APR is available on selected boilers and selected terms only. Availability is subject to status, affordability, and lender approval.
Do you think that neighbour with the big house and snazzy car owns everything outright? Newp - they're APR'd up.
No Deposit Boiler Finance
Do you need a deposit for boilers on finance? Not always.
Selected options are available with no deposit, which means you can replace your boiler without paying anything upfront. That is often the whole appeal.
You can also choose to put down a deposit of up to 50% if you want to reduce your monthly repayments or lower the total amount financed.
No deposit might suit you if:
your boiler has broken unexpectedly
you want to avoid a large upfront payment
you would rather spread the full cost monthly
A larger deposit might suit you if:
you want lower monthly payments
you want to borrow less
you want to reduce the total repayable amount on interest-bearing plans
Minimum loan amount applies.
“In the last 24 months, we've seen a clear trend: 80% of customers now choose boiler finance, up from 50%, as the cost-of-living crisis drives demand for flexible payment options over upfront costs”. - Ben Price, Heatable co-founder.
This trend highlights why boiler finance is more relevant than ever, offering a lifeline for households managing tighter budgets.
Can I Get a Boiler on Finance with Bad Credit?
Yes, you are welcome to apply for boiler finance with bad credit.
A poor credit history does not automatically rule you out.
Applications are assessed by lenders based on status, affordability, and credit checks, so outcomes vary from person to person.
That means there is no blanket yes and no blanket no either. Which is the honest answer, even if it is less dramatic.
If you are worried about eligibility, the best thing to do is get your quote, review the available options, and complete the application process. Our lender panel will assess your application fairly.
Financial Disclosure: A credit check is required for finance applications. Approval is subject to lender assessment, affordability, and status.
Related reading:
Monthly Boiler Finance Examples
The monthly cost of boilers on finance depends on a few things:
the boiler you choose
the deposit you put down
the repayment term
whether the finance is 0% APR or interest-bearing
Shorter terms usually mean higher monthly payments but a lower total repayable amount. Longer terms usually mean lower monthly payments but may increase the total amount paid overall.
Here are some illustrative examples.
Worcester Bosch Greenstar i Boiler Payment Plans:
Fixed prices from £1,780 (get your quote online)
APR | Deposit | Loan Amount | Term | Monthly Payment | Interest | Total Payable | |
9.9% | £0 (0%) | £1,780 | 10 Years | £22.98 | £977.36 | £2,757.36 | |
9.9% | £780 (Max) | £1,000 | 10 Years | £12.91 | £549.09 | £2,329.08 | |
9.9% | £0 (0%) | £1,780 | 3 Years | £56.98 | £271.25 | £2,051.25 | |
9.9% | £780 (Max) | £1,000 | 3 Years | £32.01 | £152.39 | £1,932.39 |
Alpha E-Tec Boiler Payment Plans:
Fixed prices from £1,595 (get your quote online)
APR | Deposit | Loan Amount | Term | Monthly Payment | Interest | Total Payable | |
9.9% | £0 (0%) | £1,595 | 10 Years | £20.59 | £875.78 | £2,470.78 | |
9.9% | £595 (Max) | £1,000 | 10 Years | £12.91 | £549.09 | £2,144.08 | |
9.9% | £0 (0%) | £1,595 | 3 Years | £51.06 | £243.06 | £1,838.06 | |
9.9% | £595 (Max) | £1,000 | 3 Years | £32.01 | £152.39 | £1,747.39 |
*9.9% APR boiler financing examples used above are for illustrative purposes only. Get a finance quote online for final figures.
Interest-free boiler finance examples (with our most popular boilers):
Worcester Bosch Greenstar CDi Compact:
Fixed prices from £2,095 (get your quote online)
APR | Deposit | Loan Amount | Term | Monthly Payment | Interest | Total Payable | |
0% | £0 (0%) | £2,095 | 2 Years | £87.29 | £0 | £2,095 | |
0% | £1,047.50 (50%) | £1,047.50 | 2 Years | £43.65 | £0 | £2,095 |
Viessmann Vitodens 100 Boiler Payment Plans:
Fixed prices from £2,130 (get your quote online)
APR | Deposit | Loan Amount | Term | Monthly Payment | Interest | Total Payable | |
0% | £0 (0%) | £2,130 | 2 Years | £88.75 | £0 | £2,130 | |
0% | £1,065 (50%) | £1,065 | 2 Years | £44.38 | £0 | £2,130 |
*New boiler finance examples are to be used for illustrative purposes only. Get a finance quote online for final figures.
What Is Included With Your New Boiler?
All Heatable boilers, whether paid upfront or bought on finance, include the same standard of installation and support.
That means you get:
installation by a Gas Safe engineer
wireless thermostat
boiler filter to help protect against sludge and corrosion
chemical cleansing to improve water quality
flue kit required for installation
warranty cover on selected models
12-month workmanship warranty
In other words, using finance does not mean getting the budget version of the service. You get the same quality install, the same support, and the same care.
Boiler finance vs paying upfront
There is no single best way to pay for a boiler. The right option depends on your savings, budget, credit profile and how urgently you need the replacement.
Payment option | Pros | Watch out for |
Pay upfront | No monthly repayments and no finance agreement | Higher immediate cost |
0% boiler finance | Spread the cost without interest | Approval required, monthly payments may be higher |
Longer-term finance | Lower monthly payments | Total repayable may be higher if interest applies |
Personal loan | Flexible provider choice | Rates vary and require separate application |
Credit card | Possible 0% card offers or rewards | Risky if not repaid before interest applies |
Boiler grants/ECO route | May reduce cost for eligible households | Limited eligibility and not instant |
If you have the money available and want to avoid finance, paying upfront can be simpler.
If replacing the boiler would wipe out savings or your boiler has failed unexpectedly, finance may be the more practical option.
Is boiler finance worth it?
Boiler finance can be worth it if you need to replace your boiler but would rather spread the cost than pay everything upfront.
It may be especially useful if:
your boiler has broken unexpectedly
you want to keep emergency savings intact
you qualify for 0% APR finance
your current boiler is old, unreliable or inefficient
you want to avoid delaying an important replacement
It may be less suitable if:
you can comfortably pay upfront
you are unsure you can afford the monthly repayments
you are likely to move soon
interest-bearing finance would make the total cost too high
you already have heavy monthly credit commitments
Always make sure the monthly payments are affordable before applying.
Benefits of a new boiler on finance
Choosing a new boiler on finance is not just about spreading the cost. It can also help you replace an old, inefficient or unreliable system before it causes bigger problems.
Homeowners choose boilers on finance because they can:
spread the cost with monthly payments instead of one big upfront bill
replace a failing boiler sooner without waiting to save the full amount
access selected 0% APR options on qualifying boilers
improve efficiency with a modern A-rated boiler
potentially reduce energy bills compared with older, less efficient models
choose a repayment structure that works for their budget
A modern boiler can also come with a long manufacturer warranty, giving you a bit more peace of mind and a bit less stress every time the temperature drops.
If your radiator is cold at the bottom, it may be a sign of a faulty boiler valve, in which case getting your new boiler replaced may be appropriate, check out the Worcester Bosch Greenstar 30i, which you can purchase through us.
Can a new boiler save money?
Replacing an old G-rated boiler with a new A-rated model and full heating controls could save up to £420 a year in Great Britain, according to Energy Saving Trust figures.
Your actual savings will depend on:
your current boiler
your home’s insulation
your heating controls
how much heating and hot water you use
energy prices
the type of replacement boiler
A new boiler will not magically make a poorly insulated home cheap to heat, but it can reduce wasted energy and improve heating control.
Based on Energy Saving Trust figures for upgrading an old G-rated gas boiler to a new A-rated boiler with full heating controls in Great Britain. Savings will vary depending on your home, boiler setup and energy use.
Boiler finance alternatives
Boiler finance is not the only way to reduce upfront cost.
Depending on your circumstances, alternatives may include:
paying upfront
using savings
personal loan
0% purchase credit card
ECO4 support
boiler grants for eligible households
low-carbon heating grants, where relevant
Be careful not to confuse boiler finance with boiler grants. Finance means you repay the cost over time. Grants may reduce or cover some costs, but eligibility is limited.
Are boiler grants the same as boiler finance?
No. Boiler grants and boiler finance are different.
Boiler finance lets you spread the cost of a new boiler over monthly payments. You still repay the amount borrowed.
Boiler grants may reduce the cost for eligible households, but they are usually limited to specific income, benefit, property or energy-efficiency criteria.
The Boiler Upgrade Scheme, for example, supports low-carbon heating such as heat pumps and biomass boilers. It does not provide finance for a new gas boiler.
If you are looking for help with costs, it is worth checking both finance options and any grant eligibility.
Why Choose Heatable for Boiler Finance?
If you’re aiming to get the best deal on a new boiler, consider getting your boiler installation with us. Here’s why:
Gas Safe installation within 24 hours.
Thousands of satisfied customers with an average score of 4.9 on Trustpilot, surpassing the market leader.
Which? Trusted Trader: Heatable is proudly recognised as a Which? Trusted Trader.
Price match guarantee: We will match any like-for-like cheaper quote.
Flexible payment options, including interest-free finance.
Up to a 12-year guarantee on selected boilers.
Fixed price guarantee: No hidden costs.
Save your quote and decide later.
Get an instant fixed price on a new boiler here.
To learn more about the best combi boilers and more, visit our advice section, check out our YouTube channel, or read customer testimonials here.
Heat Happy.
Financial disclosure
Heatable Ltd, Company No. 08804726, is authorised and regulated by the Financial Conduct Authority, FRN: 805259, as a credit broker, not a lender. Heatable introduces loans from its panel of lenders.
All loans are subject to the lender’s approval process and credit scoring.
When applying for loans, you should always make sure your monthly payments are affordable. If you do not make the monthly repayments on time, your credit rating and your ability to access credit in future may be negatively affected.
